In Florida, your ability to buy an individual health insurance policy from a private insurance company no longer depends on your health status. Under the Affordable Care Act, you might qualify for a subsidy to help pay for your health insurance. If you qualify, the subsidy can be used to reduce the cost of your monthly premium or can be taken as an annual tax credit. To take advantage of a subsidy, you must choose a health plan that has been approved by the federal government and the government of Florida. These plans, known as On-Exchange Plans, meet a set of standards that aim to eliminate benefit loopholes to make sure that people with pre-existing conditions are not being denied coverage.
If you don’t qualify for a subsidy, you can still choose among the Health Exchange Plans, or consider one of the many private health insurance plans available in Florida’s private marketplace. We have rated these private plans on a 1-star to 5-star basis, with 5-star plans providing the most comprehensive coverage. What’s the biggest difference between a private market health plan and a government-approved one? The trade-off is usually cost. Insurance companies can charge less for private plans with less-extensive network coverage or fewer benefits, which makes more-affordable options available to you.

Ambetter from Sunshine Health
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Bright Health Insurance Company of Florida
Bright Health offers smart, simple and affordable health insurance that connects you to top physicians and outstanding care – in-person, online and on-the-go. We work with e ...

Cigna Health and Life Insurance Company
Why choose Cigna? You get more than an affordable health plan. With Cigna you have a partner that helps you get the most from your plan, to stay healthy or get better. ...

Florida Blue (BlueCross BlueShield FL)
Blue Cross and Blue Shield of Florida, has been providing health insurance to residents of Florida for nearly 75 years. Driven by its mission of helping people and communities ...

Florida Health Care Plan, Inc.
Florida Health Care Plan, Inc. (FHCP) provides health care services. The Company offers health insurance, medicare plans, and other related services. FHCP serves members in th ...

Health First Commercial Plans, Inc.
Health First is Central Florida's only fully integrated health system. With a mission to positively change the health and wellness of the communities we serve, Health First of ...

Health Options, Inc.
Health Options, Inc is located in Jacksonville, FL, United States and is part of the Health Insurance Carriers Industry. Health Options, Inc has 450 total employees across all ...

Molina Healthcare of Florida, Inc
Molina Healthcare is a FORTUNE 500 company that delivers managed health care services through Medicaid, Medicare, and the Health Insurance Marke ...

Oscar Insurance Company of Florida
Oscar does health insurance differently — with more coverage, less hassle, and perks that give you the most value for your premium. From its inception, Oscar has been focuse ...