Health Insurance in Florida

In Florida, health insurance options are available through various sources, including employer-sponsored plans, government programs, and private insurance companies.

Employer-Sponsored Insurance

Many individuals in Florida receive health insurance coverage through their employers. Employers may offer different types of plans, such as Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), or High-Deductible Health Plans (HDHP). Employees usually share the cost of premiums with their employers.

Marketplace Plans

Florida residents who do not have access to employer-sponsored insurance or government programs can purchase health insurance through the Health Insurance Marketplace. The Marketplace offers a range of plans with varying coverage levels and costs. Financial assistance may be available to individuals who qualify based on their income.


Medicaid is a joint federal and state program that provides health coverage to eligible low-income individuals and families. In Florida, Medicaid eligibility was expanded in 2020 to include more low-income adults. The program offers comprehensive health coverage and is administered by the Florida Agency for Health Care Administration (AHCA).


Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger individuals with disabilities. Medicare beneficiaries in Florida can choose between Original Medicare (Part A and Part B) or Medicare Advantage (Part C) plans. Medicare Part D provides prescription drug coverage.


The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows individuals who lose their job or experience other qualifying events to continue their employer-sponsored health insurance for a limited period, typically up to 18 months. However, the individual is responsible for paying the full premium.

Pre-Existing Conditions

Under the Affordable Care Act (ACA), insurance companies cannot deny coverage or charge higher premiums based on pre-existing conditions. This means that individuals in Florida cannot be denied health insurance due to their medical history.