The best cheap health insurance in Florida 2020 offers affordable health insurance options for individuals, families as well as licensed professionals who are in Florida. To protect your health and your budget, you need a good health care insurance.Best Cheap Health Insurance in Florida

Let’s start by answering this all-important question;

What is Health Insurance?

This is a type of coverage that partially pays for any health-related costs you incur.

How Health Insurance Works

After you make a flat-rate payment to your health insurance company every month, which is known as your monthly premium, the health insurance company in exchange covers a percentage of your medical bills after you reach your deductible. A deductible is known as the amount of money you need to spend before your health insurance starts covering up for your expenses. Immediately you hit a deductible, all you need to pay is your coinsurance, which is a small percentage of care costs.

Average Cost of Health Insurance in Florida

On average, the pay is about $393 per month for health insurance premiums if they have an individual plan. The average premium is $1,021 per month for those with a family plan. But on the whole, the specific amount you’ll pay for coverage is determined by a number of factors, like if you smoke or not to your plan type.

Types of Health Coverage

There are different types of health insurance plans and the type of plan you choose, determines how much you pay.

Preferred provider organization (PPO) plans

This plan offers a network of doctors and specialists but does not mandate you to see them. You will have to pay an additional fee if you decide to see a health care provider outside of your network. But note that, you don’t need a referral to see a specialist with a PPO plan and PPO plans are more expensive than HMO plans.

Point-of-service (POS) plans

The POS plans have a blend of an HMO as well as a PPO. With a POS plan, you can see doctors and specialists out of your network, much like a PPO. Howbeit, you will still need a doctor’s referral to see a specialist like you would with an HMO.

Health maintenance organization (HMO) plans

This plan type requires that you only see doctors, specialists, and caregivers within the organization network and get a referral to see a specialist. HMO is one of the most affordable types of the plan even though they offer the least amount of freedom to choose which caregivers you see.

What Health Insurance Covers

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Pregnancy, maternity, and newborn care
  • Mental health and substance use treatments
  • Prescription drugs
  • Rehabilitative services and devices
  • Laboratory services
  • Preventive services and wellness screenings.
  • Pediatric services.

Additional benefits for women

  • Breastfeeding support
  • Birth control.

What Health Insurance Does not Cover

  • Male birth control
  • Travel vaccinations
  • Vision and dental coverages
  • Weight loss surgery
  • Cosmetic surgery.

Best Cheap Health Insurance in Florida 2020


Cigna offers affordable health care plans which include all ACA-compliant benefits. Cigna also gives the opportunity to some people who choose Cigna plan to qualify for some sort of federal subsidy to lower their premium.

This health insurance plan includes free preventive care, which means you don’t have to pay for medically necessary vaccinations, health screenings as well as some preventive prescription drugs. You can also unlock discounts on gym memberships, health clubs, etc., to help maintain your health.


Humana health insurance provides both HMO and POS plans in Florida at competitive prices. It’s plans also stand as some of the lowest if you are over the age of 45.

Some of it’s most affordable plans include home health care, which is not a common addition to ACA-required plans. It also offers Medicare plans for those who qualify.


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

It offers ACA-approved plans for as low as a few hundred dollars a month, which makes Aetna one of the best health insurance choices for those on a budget.

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

Florida Blue

Florida Blue health insurance is a subsidiary of Blue Cross, a nationwide health care provider. It offers PPO plans, which gives you the liberty of choosing your doctors and health care service providers.

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

This company’s ACA-compliant plans also encompass free preventive care like physicals, vaccines, and mammograms.

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