Florida Health Insurance

The Florida health insurance landscape includes many low-cost avenues through which individuals and families may buy health insurance plans. State residents without access to employer-sponsored coverage can shop for health plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP.

HealthCare.org offers health insurance quotes for affordable Obamacare insurance plans, as well as short-term health insurance and small employer health plans. We also have information about government programs like Medicaid and Medicare.

Florida and the Affordable Care Act

When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Florida elected to participate in the federally facilitated marketplace. When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.

Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.

The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits.

Medicare and Medigap in Florida
Medicare Supplement is just one part of the Medicare system. It’s available nationwide. But since Florida has plenty of happy retirees, it’s no surprise that there are more Medicare Supplement members in Florida than in any other state.

Prices for popular Medicare Supplement add-on plans in Florida range from $65 to $250 per month, according to HealthCare.com. The monthly price for plans in Florida is based on your age at the time when you purchased a plan, instead of rising with age as in most other states. Seniors who know what they want would do well to sign up quickly.

Medicaid expansion in Florida

While many states have expanded Medicaid to single, low-income adults since Obamacare took effect, Florida has not. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.


The Florida Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.

Get free quotes on Florida health insurance plans from leading companies at HealthCare.org, and apply directly for healthcare coverage online.

Health Information

Florida is not very well known when it comes to health. It’s a well-known fact that this is one of the state’s biggest challenges (and has been for a long time now). In 2014 Florida was ranked as the 32nd healthiest state in the country. There are critical issues that need to be worked on (such as the high incidence of residents lacking health insurance coverage) before this state can be considered a healthy one.

One of the key issues that the Florida Department of Health needs to enforce is Accessibility. The Health system needs to reach more residents, and although it’s relatively efficient, the population of this state needs to achieve a healthier lifestyle, since many of Florida’s health weaknesses can be prevented with healthier living habits.

It’s clear that Florida is not a healthy state, but it has a big potential to overcome its difficulties. A more aggressive approach needs to be taken so Health can be restored within the state.

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Insurance and Department of Health Information

Florida Office of Insurance Regulation

200 East Gaines Street
Tallahassee, Florida 32399-0305
Phone: (850) 413-3140

Florida Department of Health
2585 Merchants Row Boulevard
Tallahassee, FL 32399
Phone: (850) 245-4444