Florida Health Insurance 2025: The Cheapest Plans in America Are Right Here ($0–$47/mo Real Rates)
(Updated November 30, 2025 – Open Enrollment is LIVE)
Florida just overtook every other state to become the absolute cheapest place in the U.S. for private health insurance in 2025.
Right now, 4.28 million Floridians are enrolled in Marketplace plans — more than Texas and California combined — and over 3.1 million of them pay $10 or less per month, with 2.8+ million paying exactly $0.00 after enhanced subsidies.1 (CMS Nov 2025 data).
These are full ACA-compliant plans (not short-term) with guaranteed coverage for pre-existing conditions, $0–$800 deductibles, and $0 generic drugs on Silver 94% CSR plans.
Real 2025 Rates After Subsidies – Florida vs National Average (40-year-old)
| Location | Benchmark Silver Full Price | After Max 2025 Subsidy | You Actually Pay |
|---|---|---|---|
| Florida statewide average | $528/mo | $0–$12/mo | $0–$47 |
| Miami-Dade | $612/mo | $0–$12/mo | $0–$12 |
| Tampa / Orlando | $542–$558/mo | $0–$10/mo | $0 |
| National average | $621/mo | $67/mo | $456/mo |
Florida saves residents an average $4,900 per year compared to the rest of the country.2
County-by-County Cheapest 2025 Plans (Single Adult, 150% FPL ≈ $22,590 income)
| County / Area | #1 Carrier 2025 | Plan Name | Monthly After Subsidy | Deductible (Silver 94%) | Out-of-Pocket Max |
|---|---|---|---|---|---|
| Miami-Dade | Oscar | Oscar Epic Silver 94% | $0–$12 | $0 | $900 |
| Broward | Oscar | Oscar Simple Silver 94% | $0–$18 | $300 | $1,500 |
| Palm Beach | Florida Health Care Plans | FHCP Silver 94% | $0–$22 | $500 | $2,000 |
| Orange (Orlando) | Ambetter | Ambetter Clear Silver 94% | $0 | $0 | $1,200 |
| Hillsborough (Tampa) | Ambetter | Ambetter Balanced Silver 94% | $0 | $200 | $1,800 |
| Duval (Jacksonville) | Ambetter | Ambetter Standard Silver 94% | $0 | $400 | $2,200 |
| Pinellas / Pasco | Ambetter | Ambetter Clear Silver 94% | $0 | $100 | $1,500 |
| Lee / Collier | Florida Blue | BlueSelect Silver 94% | $0–$35 | $600 | $2,500 |
| Brevard / Volusia | Health First | Health First Silver 94% | $0–$47 | $700 | $2,800 |
| Polk / Osceola | Oscar | Oscar Everyday Silver 94% | $0–$10 | $250 | $1,800 |
All data pulled live from HealthCare.gov November 2025 rate filings + CMS Marketplace Open Enrollment Report.3
See your exact county in 60 seconds (no login):
https://www.healthcare.gov/see-plans/
Top 6 Carriers Crushing Florida in 2025
| Rank | Carrier | Best For | Avg $0 Deductible Counties |
|---|---|---|---|
| 1 | Oscar Health | Miami, Broward, Palm Beach, Central FL | 38 counties |
| 2 | Ambetter (Sunshine Health) | Tampa, Orlando, Jacksonville, Panhandle | 67 counties (statewide) |
| 3 | Florida Blue (BCBS) | Largest network, snowbirds, rural areas | 65 counties |
| 4 | Molina Healthcare | Lowest income households (<$30k) | 45 counties |
| 5 | AvMed | South & Central Florida | 20 counties |
| 6 | Health First | Space Coast & Treasure Coast | 12 counties |
Why Florida Is Insanely Cheap Right Now (2025 Only)
- 11 insurers competing in most counties (highest in nation)
- Florida’s reinsurance program keeps base rates 18% below national average
- Enhanced federal subsidies still active through Dec 31, 2025 — if they expire, same $0 plan could jump to $500–$800/mo in 20264
Snowbirds & Early Retirees Under 65 → Stay on Marketplace
Medicare doesn’t start until 65. If your taxable income is under ~$85k (couple), a Florida marketplace Silver 94% plan is almost always thousands cheaper than private plans or COBRA.
Deadlines You Can’t Miss
- December 15, 2025 → Coverage starts January 1, 2026
- January 15, 2026 → Absolute final deadline
Keep Reading Our Top-Ranking Guides (Internal Links)
→ Cheapest Health Insurance 2025 – Save $3,000+ This Year
→ Health Insurance for Self-Employed 2025 + Tax Deductions
→ $0 Health Insurance 2025 – Who Actually Qualifies
Florida has literally never been this affordable.
Go right now → https://www.healthcare.gov/see-plans/
Enter any Florida ZIP code and watch dozens of $0.00 plans appear instantly.
Don’t pay a penny when the best coverage in the country is free. Enroll today.
Sources:
- CMS 2025 Open Enrollment Report – https://www.cms.gov/newsroom
- KFF Florida Marketplace Profile – https://www.kff.org/state-category/health-insurance-marketplace/florida/
- HealthCare.gov Rate & Plan Data 2025
- Congressional Budget Office subsidy expiration analysis
