In Florida, most health insurance projects cost between $200 and $800 per month, with a typical price near $450. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical health insurance cost
$200 – $800
per month · typical $450
A general planning range, not a quotation.
Health insurance cost breakdown
- Bronze plan$150 – $400typical $250
- Silver plan$300 – $600typical $450
- Gold plan$450 – $900typical $650
At a glance
- Typical range$200 – $800
- Unitper month
- Cities covered121
What Health Insurance costs
Monthly cost for individual health insurance in US/Canada. Subsidized marketplace plans start at $200; unsubsidized plans can be $800+. Employer coverage averages $450.
By city in Florida
- Alafaya
- Altamonte Springs
- Apopka
- Aventura
- Boca Raton
- Bonita Springs
- Boynton Beach
- Bradenton
- Buenaventura Lakes
- Cape Coral
- Clearwater
- Clermont
- Coconut Creek
- Coral Gables
- Coral Springs
- Country Club
- Cutler Bay
- Davie
- Daytona Beach
- DeLand
- Deerfield Beach
- Delray Beach
- Deltona
- Doral
- Dunedin
- Egypt Lake-Leto
- Estero
- Fort Lauderdale
- Fort Myers
- Fort Pierce
- Fountainebleau
- Gainesville
- Greenacres
- Hallandale Beach
- Hialeah
- Hollywood
- Homestead
- Homosassa Springs
- Horizon West
- Jacksonville
- Jupiter
- Kendale Lakes
- Kendall
- Kendall West
- Kissimmee
- Lakeland
- Land O' Lakes
- Largo
- Lauderdale Lakes
- Lauderhill
- Leesburg
- Lehigh Acres
- Margate
- Meadow Woods
- Melbourne
- Miami
- Miami Beach
- Miami Gardens
- Miramar
- Navarre
- North Fort Myers
- North Lauderdale
- North Miami
- North Miami Beach
- North Port
- Oakland Park
- Ocala
- Ocoee
- Orlando
- Ormond Beach
- Oviedo
- Palm Bay
- Palm Beach Gardens
- Palm Coast
- Palm Harbor
- Panama City
- Pembroke Pines
- Pensacola
- Pine Hills
- Pinellas Park
- Plant City
- Plantation
- Poinciana
- Pompano Beach
- Port Charlotte
- Port Orange
- Port St. Lucie
- Princeton
- Richmond West
- Riverview
- Riviera Beach
- Royal Palm Beach
- Sanford
- Sarasota
- Sebring
- South Miami Heights
- Spring Hill
- St. Augustine
- St. Petersburg
- Sunrise
- Tallahassee
- Tamarac
- Tamiami
- Tampa
- The Acreage
- The Hammocks
- The Villages
- Titusville
- Town 'n' Country
- University
- Valrico
- Vero Beach South
- Wellington
- Wesley Chapel
- West Palm Beach
- Westchester
- Weston
- Winter Garden
- Winter Haven
- Winter Springs
- Zephyrhills
Frequently asked questions
How do deductibles affect premium costs?
Higher deductibles (e.g., $5,000) lower monthly premiums. Lower deductibles increase premiums but reduce out-of-pocket when you need care.
When is open enrollment for health insurance?
Typically November to mid-December each year. Special enrollment periods exist for life changes like marriage or job loss.
What is the out-of-pocket maximum?
The most you pay per year for covered services. For 2025, maximum is $9,200 individual, after which insurance pays 100%.