Health Insurance Cost in Florida for Single Person
Quick Answer: In Florida, health insurance for a single person typically costs between $340 and $780 per month, with an average of $510. Your actual cost depends on age, plan type, and subsidy eligibility.
Typical Monthly Premium Range
Single Person in Florida
Monthly premium estimates
* Costs are estimates for a 30-year-old non-smoker. Premiums increase with age and vary by location within the state.
Real Examples: Income + Plan Tier
Example 1: Lower Income Single Person
Annual Income: $25,000
Plan Type: Silver with cost-sharing reductions
Full Premium: $510/month
Subsidy Amount: ~$383/month
Your Cost: ~$128/month
Example 2: Moderate Income Single Person
Annual Income: $40,000
Plan Type: Bronze
Full Premium: $340/month
Subsidy Amount: ~$119/month
Your Cost: ~$221/month
Example 3: Higher Income Single Person
Annual Income: $75,000
Plan Type: Gold
Full Premium: $780/month
Subsidy Amount: $0 (income above threshold)
Your Cost: $780/month
Ways to Reduce Your Monthly Premium
1. Apply for Premium Tax Credits
If your income is between $15,000 and $60,000 annually, you likely qualify for subsidies that can reduce your monthly premium by 50-75%. Apply through your state's ACA marketplace.
2. Consider a Bronze Plan
If you're healthy and rarely need medical care, a bronze plan offers the lowest monthly premium. You'll pay more out-of-pocket when you do use healthcare, but save money monthly.
3. Increase Your Deductible
Choosing a higher deductible plan significantly lowers your monthly premium. Pair this with a Health Savings Account (HSA) to save tax-free money for medical expenses.
4. Shop During Open Enrollment
Compare all available plans during open enrollment (November 1 - January 15). Prices and plan options change yearly, so always shop around.
5. Check for Medicaid Eligibility
If your income is below $20,000 in expansion states, you may qualify for Medicaid at little to no cost. Check your state's specific income limits.
What to Do Next
- Calculate your subsidy: Visit ACA subsidy examples to see what financial assistance you may qualify for.
- Compare coverage levels: Review couple coverage if you're planning to add a partner to your plan.
- Learn about the marketplace: Check ACA marketplace information for enrollment deadlines and requirements.
- Understand out-of-pocket costs: Review medical procedure costs to budget for potential expenses.
Frequently Asked Questions
What is the average cost of health insurance for a single person in Florida?
The average monthly premium for a single person in Florida is approximately $510. Costs range from $340 for bronze plans with high deductibles to $780 for gold or platinum plans with lower out-of-pocket costs.
Can I get subsidies to help pay for single health insurance?
Yes, many individuals qualify for premium tax credits through the ACA marketplace based on income relative to the federal poverty level. Subsidies can significantly reduce monthly premiums. Visit HealthCare.gov to check current eligibility guidelines and estimate your subsidy amount.
What type of plan should I choose as a single person?
If you're generally healthy and rarely visit the doctor, a bronze plan with lower premiums and higher deductibles can save money. If you have regular prescriptions or medical needs, a silver or gold plan with higher premiums but lower out-of-pocket costs may be better value.
When can I enroll in health insurance?
Open enrollment typically runs from early November through mid-January each year. You can also enroll during a special enrollment period if you experience qualifying life events like losing other coverage, getting married, moving to a new state, or having a change in income. Check HealthCare.gov for exact dates.
What if I miss open enrollment?
If you miss open enrollment and don't have a qualifying life event, you'll need to wait until the next open enrollment period. However, you may qualify for short-term health insurance or a health care sharing ministry as a temporary option.
Sources & Disclaimer
Data Sources: Premium estimates based on marketplace data from HealthCare.gov, state insurance departments, and major insurers in Florida.
Last Updated: December 2025
Disclaimer: Information provided is for educational purposes only. Actual costs vary by age, location, tobacco use, and plan selection. Always verify rates with insurance providers or through the official marketplace.
Related: Florida insurance overview | Couple coverage | Family coverage