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.
That said, Aetna is currently ranked as the best medical coverage in the Sunshine State. That is, assuming that it is accepted by your doctors. It is one of the most affordable insurance plans, both for individuals and companies.
Aetna has Affordable Care Act (ACA) plans that can be as little as a few hundred dollars per month. Of course, this depends on your age. They also have special student coverage, with plans covering university students.
Is Blue Cross Blue Shield the Same as Florida Blue?
Florida Blue is a subsidiary of Blue Cross Blue Shield, which is a nationwide provider. Florida Blue offers PPO plans (as opposed to HMO plans). This gives participants significantly more flexibility in choosing their doctors and providers.
PPO plans are especially good if you have long-standing or chronic conditions. You might have come to rely on a certain set of medical providers who know your personal challenges intimately. Being able to rely on the same doctors even if you take a job with a new company is a major benefit.
Florida Blue is also considered one of the best coverages for people who are on a fixed income.
How Much Is Health Insurance in the Sunshine State per Month?
When it comes to the best health insurance companies in the Sunshine State, as far as monthly premiums and affordable health insurance, things are a little different. Checking the Florida Health Insurance Marketplace can give you good ideas of what is available for short-term plans. Also check this marketplace for individual and family plans, and prescription drugs.
For health insurance quotes, the average cost of health insurance for a 40-year-old is $554 per month. It goes on to say that “over all age groups, average cost of health insurance is $203 per person for a major medical individual health insurance plan.”
The same study states that the best price for healthcare plans in the Sunshine State is through Blue Cross Blue Shield or Cigna. This holds in virtually every county in the state.
They rate the cheapest health insurance coverage in the Sunshine State as being Florida Blue or Cigna. The best for fixed-incomes is Florida Blue. If you want to get the best health insurance in Florida overall, Aetna ranks as superior. However, Cigna has the best prescription coverage plan.