Best Health Insurance in Florida • Open Enrollment & Short Term Plans

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Looking for cheap health insurance in Florida before the 2021 Open Enrollment Period for 2022 Marketplace coverage begins? We’ll take a look at how health insurance works in Florida and show you what health insurance covers, what it doesn’t cover and a few of the best companies that provide low-cost plans. Use Benzinga’s guide to learn the ins-and-outs of Florida health insurance and read in-depth provider reviews below.


  • Florida uses the federal health insurance Marketplace and also offers Florida Medicaid to eligible residents.
  • The best Florida health insurance companies according to Benzinga are Aetna, Humana, Florida Blue, Cigna and Pivot Health.
  • Open Enrollment for Marketplace coverage begin November 1 and ends December 15.
  • Coverage begins January 1.
  • Florida allows short-term temporary health insurance plans to be sold and relies on federal guidelines regarding this type of coverage.

Recap – Best Health Insurance in Florida:

  • Best Overall in Florida: Aetna
  • Affordable Health Insurance in Florida: Humana
  • Best for Fixed-Incomes: Florida Blue
  • Best for Prescription Coverage: Cigna
  • Best for Short-Term Health Insurance: Pivot Health

Best Florida Health Insurance

Let’s take a look at some of the best providers of cheap health insurance in Florida. 

1. Aetna

Aetna is one of the most affordable health insurance plan providers in Florida and offers low-cost individual, family and business plan options.

ACA-approved plans are available for as little as a few hundred dollars a month and makes Aetna one of the best health insurance choices for those living on a budget. Do you qualify for Medicare or Medicaid?

Aetna also offers special low-cost plans for you and even has student health plans available if you attend a two- or four-year university. 

Aetna Inc

# of Healthcare Providers


1 Minute Review

In the past, Aetna health insurance plans were available on Affordable Care Act (ACA) Marketplaces across the country. Though Aetna no longer offers ACA-compliant plans, the company continues to make healthcare more affordable through Medicare Advantage Part D coverage and dental insurance plans.

Aetna’s Medicare options extend to most parts of the country, and premiums for Advantage plans begin at $0 a month. Part D coverage, which helps pay for prescription drugs, begins at about $7 a month in most states. Additionally, Aetna offers dental insurance and dental discount plan options that anyone who doesn’t have dental coverage through their employer can take advantage of. In addition, Aetna also offers a number of additional benefits not seen with other coverage providers, including discounts on prescription drugs and rewards for meeting health goals. 



  • Offers multiple mobile app offerings to reward you for reaching fitness goals
  • Dental discount plans may include coverage for prescription drugs
  • Medicare Advantage plans available with no monthly premiums

  • Vision insurance only available when purchased with a dental plan
  • ACA-compliant health insurance no longer available

2. Humana Health Insurance Florida

Humana offers both HMO and POS plans in Florida at competitive rates. Plans from Humana are also some of the lowest if you’re over the age of 45. Some of Humana’s most affordable plans also include home health care, a rare addition to ACA-required plans. Medicare plans are also available for those who qualify. 

Humana Review

# of Healthcare Providers


1 Minute Review

Humana offers a wide range of Medicare insurance products including Medicare Advantage, Medicare Supplemental insurance plans, and Part D plans. Here’s a snapshot of what Humana’s known for:

Best For

  • Lots of HMO and PPO plans to choose from
  • Extras such as dental and vision coverage
  • Free fitness program
  • Affordable plan options

  • Partnerships with Walgreens and Walmart to bring you expanded prescription drug coverage
  • Rewards for healthy habits
  • Large provider network

  • HMO plans only available in 22 of 50 states
  • No short-term plans offered
  • Costlier plan required if you need international coverage

3. Florida Blue Health Insurance

Florida Blue is a subsidiary of Blue Cross, a nationwide health care provider. Florida Blue offers PPO plans, which give you the most freedom to choose your doctors and health care service providers.

This can be beneficial if you have a chronic condition or longstanding relationship with a health care provider and you don’t want to begin treatment with a new doctor.

Florida Blue offers subsidiaries to help you reduce the cost of health care if you’re living on a fixed income.

Blue Cross Blue Shield

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