Best Health Insurance Companies in Florida

• Average individual monthly premium (Silver plan): $555
• Average annual deductible (Silver plan): $3,499
• Customer complaints: Much fewer than expected for company size

Aetna is our top choice for health insurance in Florida. It receives the fewest complaints, relative to market share, in our national study of health insurance companies. You also get wallet-friendly perks like $0 copay primary care visits, complimentary CVS MinuteClinic visits, and discounts on CVS Health products.

Aetna has the best customer complaint record among health insurance marketplace providers in Florida, showing that it received relatively few complaints for a company of its size over three years. However, its customer satisfaction rating in a J.D. Power survey is slightly below average for Florida.

Aetna’s average premiums for Silver plans are higher than those of some competitors, but low deductibles and perks make up for it. Many plans offer $0 copays for primary care, virtual visits, and walk-in visits. Some include free outpatient mental health care and $3 copays for generic medications.

Aetna plans also give you extras like a $25 credit every three months for CVS Health brand over-the-counter wellness products. Aetna has several medical management programs tailored to conditions such as diabetes and heart disease. However, since Aetna only offers health maintenance organization (HMO) plans in Florida, (no PPO or EPO plans), you need to stick with in-network providers.

Aetna was founded in 1853 and is based in Hartford, Connecticut.

• Average individual monthly premium (Silver plan): $508
• Average annual deductible (Silver plan): $4,070
• Customer complaints: Much more than expected for company size

Ambetter offers the third-lowest average premiums in our study for Silver plans in Florida and the best value overall for out-of-pocket costs. You can also access money-saving perks like discounts and a rewards program. 

While some competitors offer lower premiums, Ambetter offers the best overall cost value among Florida insurers when you consider deductibles and other out-of-pocket costs. Ambetter also provides cost-saving perks, like a 20% discount on Walgreens-brand health products and a rewards program that offers up to $500 or more per year if you complete a series of activities like exercise and wellness exams.

However, Ambetter receives many more complaints than expected for a company its size, which raises questions about its customer service.

Ambetter has sold health insurance since 2014. Its parent company is Centene, which is based in St. Louis.

• Average individual monthly premium (Silver plan): $635
• Average individual annual deductible (Silver plan): $5,318
• Customer complaints: Fewer than expected for company size

Florida Blue is the only major insurer in Florida offering PPO plans on the marketplace, giving you the flexibility to see out-of-network doctors. It also offers HMO and EPO plans, so you can choose the network type that works best for you. Florida Blue, also known as Blue Cross Blue Shield of Florida, provides plans across all five metal tiers, offering a wide range of pricing and coverage options.

Blue Cross Blue Shield received fewer complaints than expected for its size and ranks second in J.D. Power’s 2024 study of health insurance customer satisfaction in Florida. It offers $0 primary care visits at select providers with some plans.

Florida Blue offers more plan options than any other Florida provider in our study, with all five metal tiers and the three most common network types (PPO, EPO, and HMO). While Florida Blue’s Silver plans cost more than average, the variety of options means you’ll probably find a plan to fit your budget and needs. 

You can also get perks like a rewards program for healthy activities and in-person help at brick-and-mortar offices.