🩺 Health insurance cost in Florida (2026)
The estimated average is $532 per month — below the national average (-5% vs. the U.S. average of $560).
Florida is home to about 22.6 million people, and health insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Jacksonville typically differ from smaller towns.
Estimate your health insurance in Florida
Florida health insurance estimator
Starts from the Florida average. Estimate only — get quotes to confirm.
Health insurance cost in Florida cities
| City | Population | Est. health insurance |
|---|---|---|
| Jacksonville | 971,319 | $549 |
| Miami | 449,514 | $541 |
| Tampa | 403,364 | $541 |
| Orlando | 320,742 | $541 |
| St. Petersburg | 261,256 | $541 |
| Port St. Lucie | 231,790 | $532 |
| Hialeah | 221,806 | $532 |
| Cape Coral | 216,992 | $532 |
| Tallahassee | 202,221 | $532 |
| Fort Lauderdale | 184,255 | $532 |
Florida health insurance FAQ
How much is health insurance in Florida?
The estimated average health insurance in Florida is $532 per month, which is below the national average (-5% vs. the U.S. average of $560). Florida ranks 14 of 51 states from most to least expensive.
Why is health insurance cheaper in Florida?
Health insurance pricing in Florida reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on health insurance in Florida?
Compare at least three quotes from insurers active in Florida, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.