Florida Health Insurance Plans

2026 Subsidy-eligible and Off-Exchange plans

554 plans across the state

Obamacare (On-Exchange) plans

Subsidy-eligible plans sold through the federal Marketplace. Prices shown are before any tax credit.

Everyday Bronze
by Ambetter Health
Bronze HSA eligible HMO
Deductible · ind / family
$8,450 / $16,900
Out-of-pocket max · ind / family
$10,150 / $20,300
Bronze Classic Standard
by Oscar Health Maintenance Organization of Florida
Bronze HMO
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Bronze Simple Diabetes
by Oscar Health Maintenance Organization of Florida
Bronze HMO
Deductible · ind / family
$5,500 / $11,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Bronze Classic 4700
by Oscar Health Maintenance Organization of Florida
Bronze HMO
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$10,150 / $20,300
Elite VALUE Bronze
by Ambetter from Sunshine Health
Bronze HSA eligible HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,500 / $21,000
Molina Bronze Standard
by Molina Healthcare of Florida, Inc
Bronze HSA eligible HMO
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Everyday Bronze
by Ambetter Health
Bronze HSA eligible HMO
Deductible · ind / family
$8,450 / $16,900
Out-of-pocket max · ind / family
$10,150 / $20,300
Elite Bronze
by Ambetter Health
Bronze HSA eligible HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,500 / $21,000
Bronze Standard 1828
by Health First Commercial Plans, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Elite Bronze
by Ambetter Health
Bronze HSA eligible HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,500 / $21,000
Bronze Simple Diabetes
by Oscar Health Maintenance Organization of Florida
Bronze HMO
Deductible · ind / family
$5,500 / $11,000
Out-of-pocket max · ind / family
$10,150 / $20,300
Bronze Classic Standard
by Oscar Health Maintenance Organization of Florida
Bronze HMO
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Silver Classic Standard
by Oscar Health Maintenance Organization of Florida
Silver HMO
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Silver Elite
by Oscar Health Maintenance Organization of Florida
Silver HMO
Deductible · ind / family
$5,000 / $10,000
Out-of-pocket max · ind / family
$9,750 / $19,500
Silver Simple Diabetes
by Oscar Health Maintenance Organization of Florida
Silver HMO
Deductible · ind / family
$6,500 / $13,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Focused Silver
by Ambetter Health
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$8,400 / $16,800
Thrive Silver
by Ambetter Health
Silver HMO
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$8,400 / $16,800
Clarity Silver
by Ambetter Health
Silver HMO
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$8,400 / $16,800
Silver Simple PCP Saver
by Oscar Health Maintenance Organization of Florida
Silver HMO
Deductible · ind / family
$5,000 / $10,000
Out-of-pocket max · ind / family
$9,250 / $18,500
Silver Classic Standard
by Oscar Health Maintenance Organization of Florida
Silver HMO
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Molina Silver Core
by Molina Healthcare of Florida, Inc
Silver HMO
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,990 / $17,980
Focused Silver
by Ambetter Health
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$8,400 / $16,800
Complete Gold
by Ambetter Health
Gold HMO
Deductible · ind / family
$1,450 / $2,900
Out-of-pocket max · ind / family
$7,500 / $15,000
Everyday Gold
by Ambetter Health
Gold HMO
Deductible · ind / family
$800 / $1,600
Out-of-pocket max · ind / family
$7,250 / $14,500
Standard Gold
by Ambetter Health
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Gold Classic Standard
by Oscar Health Maintenance Organization of Florida
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Everyday Gold
by Ambetter Health
Gold HMO
Deductible · ind / family
$800 / $1,600
Out-of-pocket max · ind / family
$7,250 / $14,500
Complete Gold
by Ambetter Health
Gold HMO
Deductible · ind / family
$1,450 / $2,900
Out-of-pocket max · ind / family
$7,500 / $15,000
Gold Classic Standard
by Oscar Health Maintenance Organization of Florida
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Gold Simple
by Oscar Health Maintenance Organization of Florida
Gold HMO
Deductible · ind / family
$3,000 / $6,000
Out-of-pocket max · ind / family
$9,950 / $19,900
Standard Gold
by Ambetter Health
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Gold Standard 1833
by Health First Commercial Plans, Inc.
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400

Off-Exchange plans

Plans sold directly by the carriers, outside the federal Marketplace. These are not eligible for a subsidy tax credit.

Focused Silver
by Ambetter Health
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$8,400 / $16,800
Focused Silver
by Ambetter Health
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$8,400 / $16,800

Frequently asked questions

What are Obamacare health insurance plans?

Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.

What are Off-Exchange health insurance plans?

Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.

What's the difference between Obamacare and Off-Exchange plans?

The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.

How do I choose the plan that's best for me and my family?

Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.

FAQs — choosing a health insurance plan →