Best U65 Health insurance plans in Florida v.1

💬 What are the best marketplace insurance plans in Florida?

"Florida Health insurance companies scored at least 4 stars on our rubric: Florida Blue and Florida Blue HMO. This pair stood out especially for rarely denying claims and receiving very few customer complaints. We also scored based on cost, customer satisfaction, quality data and more.

Note: the best fit if you can depend on your health, doctors, precisians, financial situation and preferences. Compare your options and consider working with a licensed insurance agent for more personalised recommendations."

— Kate Ashford, lead writer covering Medicare

Best health insurance in Florida

Our pick for the best health insurance in Florida for 2025 is Florida Blue. Our analysis shows that the company denies far fewer in-network claims than average and rarely receives customer complaints. Lower-cost HMO plans (as well as POS plans) are available from Florida Blue HMO, which gets our second-highest rating.

BEST HEALTH INSURANCE IN FLORIDA

Florida Blue

5.0

NerdWallet rating

Florida Blue rarely denies customers’ claims and has best-in-state low complaint rates. However, with only EPO and PPO plans, its prices can be undercut by competitors that offer HMO plans.

OVERVIEW

Plan types offered

EPO, PPO

Claims denial rate

8.8% (Far fewer than average)

Avg. Silver premium

$461.96

(415) 930-9110

Call an insurance agent at Stride Health

Call an insurance agent at Stride Health

M-F 8AM-4PM PST

GET QUOTEon Stride Health's website

BEST FOR HMO PLANS

Florida Blue HMO

4.5

NerdWallet rating

Florida Blue HMO is a counterpart to Florida Blue that offers HMO and POS plans. It has rock-bottom complaint rates and denies fewer claims than average, but some competitors’ premiums are lower.

OVERVIEW

Plan types offered

HMO, POS

Claims denial rate

15.6% (Fewer than average)

Avg. Silver premium

$440.04

(415) 930-9110

Call an insurance agent at Stride Health

Call an insurance agent at Stride Health

M-F 8AM-4PM PST

GET QUOTEon Stride Health's website

Affordable health insurance in Florida

Silver plans

Ambetter Health offers the most affordable Silver plans on the health insurance marketplace, on average, in Florida for 2025.[F]. Molina Healthcare’s average premium isn’t much higher, so it could be another option for affordable health insurance in Florida.

MOST AFFORDABLE HEALTH INSURANCE IN FLORIDA

Ambetter Health (Florida)

3.0

NerdWallet rating

Ambetter Health has the lowest premiums for Silver HMOs in Florida, on average. The company denies an average number of claims and gets fewer customer complaints than average, but its government quality ratings aren’t great.

OVERVIEW

Plan types offered

HMO

Claims denial rate

18.2% (Average)

Avg. Silver premium

$400.14

(415) 930-9110

Call an insurance agent at Stride Health

Call an insurance agent at Stride Health

M-F 8AM-4PM PST

GET QUOTEon Stride Health's website

Molina Healthcare (Florida)

2.0

NerdWallet rating

Molina Healthcare offers some of the lowest average premiums in the state, but it denies a lot of claims and gets some below-average government quality ratings.

OVERVIEW

Plan types offered

HMO

Claims denial rate

34% (Far more than average)

Avg. Silver premium

$421.81

LEARN MOREon NerdWallet

Silver plans are often the most affordable because they’re potentially eligible for more subsidies than any other plan type. Silver plans can end up costing you less than Bronze plans if you qualify for certain cost savings — and most marketplace enrollees do[F].

Bronze plans

If you're not eligible for subsidies, you might want to look beyond Silver plans to find the very lowest premiums. For 2025, Ambetter Health also offers the cheapest Expanded Bronze plans on the market, on average, and UnitedHealthcare offers the cheapest regular Bronze plans.

UnitedHealthcare (Florida)

1.5

NerdWallet rating

UnitedHealthcare sells the cheapest Bronze plans in Florida, on average, but its prices are less competitive for other metal levels, and it gets the lowest possible government rating for quality of medical care.

OVERVIEW

Plan types offered

HMO

Claims denial rate

17.9% (Average)

Avg. Silver premium

$494.63

LEARN MOREon NerdWallet

Off-marketplace health insurance in Florida

Some marketplace plans have matching policies that can be bought outside of the marketplace. You can choose to buy an off-marketplace plan rather than a marketplace plan during open enrollment (Nov. 1 through Jan. 15), but subsidies aren’t available if you do so[F].

You might be able to find other kinds of health insurance plans sold outside of the marketplace (and outside of open enrollment), such as limited, short-term or alternative health plans. These plans might not have the same coverage and/or consumer protections as plans sold on the marketplace.

It’s a good idea to check whether an off-marketplace plan offers “minimum essential coverage.” If not, the plan might be allowed to do things that most health plans can’t, such as deny coverage due to health status, limit coverage of pre-existing conditions and/or not cover essential health benefits.

Best Medicare plans in Florida

Medicare is available for people age 65 and older and people living with certain medical conditions. There are many kinds of Medicare coverage, and the best choice for you can depend on your health, finances and preferences. Check out NerdWallet’s reviews of the best Medicare plans:

Health insurance resources in Florida

How to choose a marketplace health insurance plan

There can be a lot of moving parts when shopping for health insurance coverage. Here are a few questions to help you think through your needs and options:

If you have questions or need help navigating the marketplace, you can get help from a trained assister or an agent/broker at HealthCare.gov.

Marketplace health insurance ratings methodology

NerdWallet evaluates marketplace health insurance plans based on marketplace data about plans’ premiums, out-of-pocket costs and benefits, prescription drug coverage, dental coverage, government quality rating data, complaint data, records about how plans approve and deny claims and more.

We evaluate individual plans and then aggregate scores to the company level. When a plan is missing data for a certain metric, we exclude it from calculations. For example, the federal government calculates official star ratings for marketplace health insurance plans, but many plans are unrated, and others have incomplete ratings. NerdWallet’s analysis incorporates government quality ratings when they’re available, but doesn’t penalize plans that are unrated[F].

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for more information.

Insurer complaints methodology

We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.