Ambetter Florida in Florida
Ambetter from Sunshine Health offers affordable ACA marketplace plans in Florida with low premiums, $0 cost preventive care, and telehealth included.
Who is Ambetter?
Ambetter from Sunshine Health is a Centene Corporation company offering affordable health insurance plans through the ACA marketplace in Florida. They focus on making quality healthcare accessible.
With competitive premiums and comprehensive benefits, Ambetter is a popular choice for Floridians seeking marketplace coverage, especially those qualifying for subsidies.
Affordability
Making health insurance accessible to every Floridian.
Access
Growing network of providers across Florida.
Rewards
My Health Pays program incentivizes healthy behavior.
Whole Person
Addressing physical, behavioral, and social health.
Why Choose Ambetter Florida in Florida?
Highlights of what this carrier offers Florida residents.
Affordable Premiums
Among the lowest-cost ACA plans available in Florida.
Preventive Care
$0 cost preventive services including wellness visits.
Telehealth
Virtual doctor visits included with every plan.
My Health Pays
Earn rewards for completing healthy activities.
Ambetter Florida Plans Available in Florida
Compare plan types and find the coverage that fits your needs and budget.
Individual & Family
ACA-compliant plans for individuals and families under 65, available on and off the marketplace.
- ✓ HMO & PPO options
- ✓ $0 preventive care
- ✓ Prescription drug coverage
- ✓ Mental health services
- ✓ Telehealth included
Medicare Supplement
Fill the gaps in Original Medicare with Cigna Medigap plans for Florida residents 65+.
- ✓ Plan G, N, and more
- ✓ No network restrictions
- ✓ Guaranteed renewable
- ✓ Predictable costs
- ✓ Travel emergency coverage
Group / Employer
Custom group health solutions for Florida businesses of all sizes with flexible plan designs.
- ✓ Tailored proposals
- ✓ Employee enrollment support
- ✓ Dental & vision add-ons
- ✓ Wellness programs
- ✓ Dedicated account manager
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Top 2026 Ambetter plans - details and ratings
Ambetter from Sunshine Health is Florida’s largest marketplace carrier by enrollment (~1.3 million), usually among the cheapest in its metros. The trade-off is a national reputation for billing and provider-directory friction. Note: the Sunshine State entity winds down after 2026 and members transition to Centene Venture - Ambetter itself continues in Florida. Representative 2026 plans below.
Star ratings are seeded from public ratings and complaint data and adjust as visitors rate each plan.
Ambetter Everyday BronzeBudget
The budget lane - high deductible, low premium.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Ambetter Elite Bronze$0 Deductible
A zero-deductible bronze - copays instead of a deductible, higher out-of-pocket cap.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Ambetter Clear Silver
The value silver design.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Ambetter Everyday Silver
Budget silver - check the CSR variant first if you are under 250% FPL.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Ambetter Elite Silver
Richer silver with lower cost sharing.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.3 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Ambetter draws heavy complaint volume nationally - mostly billing and reaching customer service after claims. Against that: consistently competitive premiums and the largest Florida enrollment. Your rating above helps others weigh it.
Ambetter rate filing history
Every year Florida insurers file individual-market rate changes with the Florida Office of Insurance Regulation. Here is this carrier’s public record - statewide average changes, not your personal premium:
| Plan year | Requested | Approved | Note |
|---|---|---|---|
| 2018 | +46.1% | Incl. CSR silver load | |
| 2019 | +5.8% | +5.9% | |
| 2020 | +4.4% | +1.9% | |
| 2021 | +4.6% | +3.9% | |
| 2022 | +9.9% | ||
| 2023 | +3.9% | ||
| 2024 | +1.7% | ||
| 2025 | +3.8% | ||
| 2026 | +18.7% | +40.6% | Centene Venture entity; Sunshine State entity +51.6% |
| 2027 | +3.9% | pending | Lowest 2027 request among majors |
Sources: Florida Office of Insurance Regulation "Individual PPACA Market Monthly Premiums" annual filings (approved figures), ratereview.healthcare.gov, and ACA Signups Florida tables. 2018 approved figures include the one-time CSR silver load. Figures are market averages, not your personal premium; subsidies can absorb much of an increase.