How much is health insurance per month in Florida?
Asked by: Kody Jakubowski | Last update: October 1, 2025Score: 4.9/5 (1 votes)
How much is health insurance monthly in Florida?
The average cost of health insurance in Florida is $393 per month, or $4,716 per year. However, this is just the average cost. Your actual premium will depend on several factors, including your age, gender, location, and whether you smoke.
Is $200 a month expensive for health insurance?
On average, in the United States, health insurance premiums for an Affordable Care Act (ACA) plan without subsidies are around $477 per month2. For a Silver plan, the average cost is about $621 per month. So, $200 a month is actually quite reasonable compared to these averages.
How much is full coverage insurance a month in Florida?
Key takeaways
In Florida, full coverage car insurance costs an average of $348 per month, while minimum coverage is $95 per month.
Is $200 a month good for insurance?
Is $200 a lot for car insurance? Paying $200 per month is a little higher than average for car insurance. Nine states have average rates for full coverage that are higher than $200 per month, and no state has average rates that high for minimum coverage.
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Why is insurance so expensive in Florida?
Florida operates under a no-fault insurance system, meaning that each driver's insurance company is responsible for paying their own medical bills and damages after an accident, regardless of who was at fault. This can lead to higher insurance rates as insurers take on more risk.
Who typically has the cheapest insurance?
Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.
What is the best healthcare insurance?
Investopedia's analysis ranks Kaiser Permanente as the best health insurance company for 2025 because of its blend of affordability and low customer complaints. UnitedHealthcare and Aetna also earned top marks. We evaluated nine insurers using dozens of criteria, such as customer satisfaction, plan types, and costs.
Why is monthly health insurance so expensive?
Administrative Overhead: Health insurers often have substantial administrative overhead, including marketing, underwriting, and claims processing. These costs are passed on to consumers in the form of higher premiums, which can contribute to overall healthcare expenditure.
What is the most expensive health insurance?
Platinum health insurance is the most expensive type of health care coverage you can purchase. You pay low out-of-pocket expenses for appointments and services, but high monthly premiums.
What is the most accepted health insurance in Florida?
Frank Vasquez. The most accepted health insurance in Florida is Blue Cross Blue Shield (Florida Blue) and Cigna. These insurance carriers are accepted almost everywhere in the Sunshine State. This makes them some of the best health insurance plans in Florida.
Why is Florida health insurance so expensive?
The population is expected to grow by nearly 300,000 annually over the next five years. One of the critical challenges in Florida's health insurance sector is the high cost of premiums. The state's insurance market is dominated by a few major insurers, which limits competition and keeps prices high.
How much is insurance in Florida per month?
According to NerdWallet's January 2025 analysis, the average cost of car insurance in Florida is $3,992 per year for full coverage, or $333 per month, for a 35-year-old driver with good credit and a clean driving history. Meanwhile, the average cost of a minimum coverage policy is $953 per year, or about $79 per month.
Do most people in Florida have insurance?
By the numbers: About 2.3 million Floridians under 65 lack health insurance. Glades County leads Florida in uninsured residents, with nearly a quarter of its population without health insurance. Manatee, Polk and Hernando counties have the highest percentage of uninsured residents in Tampa Bay.
Are Florida insurance rates going up?
Average homeowner premiums in Florida surged nearly 60% between 2019 and 2023. Some major insurance providers have reduced coverage. The state insurer, Citizens, meanwhile has taken on increased business.
What is the cheapest insurance for full coverage?
- Travelers — $112 per month. Travelers' full coverage averages $112 per month for comprehensive and collision coverages.
- USAA — $114 per month. USAA full coverage averages $114 per month for comprehensive and collision coverages.
- Nationwide — $123 per month.
How much insurance should I pay per month?
Car insurance on average is $79.83 per month in low-cost states, $105.36 per month in medium-cost states, and $157.27 per month in high-cost states. Note that it's often cheaper to pay for your policy in full rather than monthly.
What is an affordable health insurance?
In 2025, a job-based health plan is considered "affordable" if your share of the monthly premium in the lowest-cost plan offered by the employer is less than 9.02% of your household income. The lowest-cost plan must also meet the minimum value standard.
Is Aetna health insurance worth it?
People choose Aetna for its vast network of providers, competitive rates and long history in the insurance industry. It also offers benefits like access to 24/7 virtual care at no or low costs, depending on your plan, and mental health coverage. Aetna is regarded as a good health insurance provider overall.
What is the age limit for Aetna?
Coverage for Dependent Children
To be eligible for coverage, a dependent child must be under 26 years of age.