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Health Insurance Near Me in Florida

471 cities · HealthCare.gov · coverage for people under 65

Before subsidies, the average benchmark silver plan for a 40-year-old in Florida costs $738 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.

This page lists top-rated local agencies across Florida by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.

How health insurance works in Florida

People in Florida buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. Florida Medicaid is the state's Medicaid program; the state has not expanded Medicaid to most low-income adults. For 2027, marketplace plans in Florida come from 10 insurers: Florida Blue (BCBS of Florida / Health Options), AmeriHealth Caritas, AvMed, Capital Health Plan, Ambetter (Centene Venture; Sunshine State members transition in), Florida Health Care Plans, Health First, Oscar Health, UnitedHealthcare and Wellpoint (Simply Healthcare). Not every insurer sells in every county. Short-term health plans are sold in the state, though they are not ACA-compliant coverage.

Agent licensing in Florida

  • The Florida Department of Financial Services is the state agency that licenses insurance agents, including health agents, in Florida. Source
  • Florida's Department of Financial Services runs a free online Licensee Search. It shows an agent's contact details, valid licenses, active appointments and the insurers the agent can write with. Source
  • Florida issues a dedicated Health Agent license (the 2-40 resident health license), which allows an agent appointed by an insurer or HMO to solicit and place health insurance coverage. Source

Free enrollment help in Florida

HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.

Compare plans statewide

Licensed agents can quote plans from multiple Florida carriers in one call.

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Health insurance by city in Florida

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Call 866-645-8540Licensed agents · free plan comparison