Best health Insurance plans in
Florida
in 2025

Explore the essential plans information for your state and see how Venteur can help you save money and empower your employees with better benefits through ICHRA.

Get a quote
Market overview
12

Health insurance carriers on the marketplace

386

Plans available on the marketplace

21%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Florida
Plans

Discover the best health plans in Florida

Great Value
Ambetter
Expanded Bronze
PPO
Great Value
Great Value
Great Value
$
$
370.33
/mo
/mo

Bronze 7

Deductible:
In-Network: $7,400 / Out-of-Network: $13,500
Primary Care Visits:
In-Network: 20% after deductible / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $3 / Out-of-Network: Not Covered
Balanced Pick
Oscar
Gold
EPO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
569.71
/mo
/mo

Gold Elite

Deductible:
In-Network: $500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $25 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 per script / Out-of-Network: Not Covered
Florida Blue
Platinum
PPO
$
$
1307.61
/mo
/mo

BlueOptions Platinum 24J01-08 ($0 Virtual Visits / Rewards $$$)

Deductible:
In-Network: $0 / Out-of-Network: $500
Primary Care Visits:
In-Network: $0 / In-Network-Tier-2: $10 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $10 / Out-of-Network: 50%

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in Florida

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

Compare Plans

Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

How is health insurance in Florida?

Health insurance in Florida is diverse, offering a range of plans tailored to meet individual and family needs. Residents can choose from Affordable Care Act (ACA) marketplace plans, employer-sponsored coverage, Medicaid for low-income individuals, and short-term plans for temporary needs. Venteur partners with leading insurance providers to offer flexible options through Individual Coverage Health Reimbursement Arrangements (ICHRA), enabling employees to select plans that best suit their needs.

How do I get health insurance in Florida?

You can obtain health insurance in Florida through several avenues:

  • Purchase ACA-compliant plans via the marketplace during open enrollment or special enrollment periods.
  • Use Venteur’s platform to access personalized health plans funded by your employer through ICHRA.
  • Apply for Medicaid if you meet income and eligibility requirements.
  • Explore short-term health insurance for temporary coverage needs.

‍

Do you have to have health insurance in Florida?

No, health insurance is not mandatory in Florida. The federal penalty for not having coverage was eliminated in 2019. However, having insurance is highly recommended to protect against unexpected medical expenses and ensure access to necessary healthcare services.

‍

What is the best health insurance in Florida?

The best health insurance in Florida depends on individual needs, including budget, coverage requirements, and provider preferences. Venteur offers access to top-tier plans from its partnered providers, such as Bronze 7 and BlueOptions Platinum, which include features like $0 virtual visits and rewards programs. These plans cater to varying levels of coverage and affordability, ensuring flexibility for users.

How do I get Medicaid in Florida?

To apply for Medicaid in Florida:

  1. Visit the Florida Department of Children and Families (DCF) website or a local service center.
  2. Submit an application online or by mail.
  3. If eligible, you will receive a letter to select a Medicaid plan.
  4. Choose a plan by contacting a Choice Counselor or using the Statewide Medicaid Managed Care portal.
    Eligibility is based on income, household size, and other factors such as pregnancy or disability.
Speak with an expert

What is Venteur

Explore the best human-first Health Insurance platform

Icon: Workflows

Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

Get started
See the platform

Discover the best health plans in Florida

Great Value
Ambetter
Expanded Bronze
PPO
Great Value
Great Value
Great Value
$
$
370.33
/mo
/mo

Bronze 7

Deductible:
In-Network: $7,400 / Out-of-Network: $13,500
Primary Care Visits:
In-Network: 20% after deductible / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $3 / Out-of-Network: Not Covered
Balanced Pick
Oscar
Gold
EPO
Balanced Pick
Balanced Pick
Balanced Pick
$
$
569.71
/mo
/mo

Gold Elite

Deductible:
In-Network: $500 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $25 / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $3 per script / Out-of-Network: Not Covered
Florida Blue
Platinum
PPO
$
$
1307.61
/mo
/mo

BlueOptions Platinum 24J01-08 ($0 Virtual Visits / Rewards $$$)

Deductible:
In-Network: $0 / Out-of-Network: $500
Primary Care Visits:
In-Network: $0 / In-Network-Tier-2: $10 / Out-of-Network: 50% after deductible
Generic Drugs:
In-Network: $10 / Out-of-Network: 50%

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
12

Health insurance carriers on the marketplace

386

Plans available on the marketplace

21%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in Florida