Health Insurance

Finding the Best ACA Health Plans in Florida for 2023

Shandra Ahsan
Shandra Ahsan10 Jan 2023

Florida's open enrollment period for 2023 opened on November 1, 2022, and will run through January 15, 2023. Florida is one of the many states that utilize the federal health insurance exchange, The federal marketplace offers a number of plans for customers seeking healthcare, and determining the right choice for you can be difficult. You must consider numerous factors when choosing the right healthcare plan, and we at Mira are here to help. 

Best Health Plans in Florida

For this article, we will find the best plans for a single unmarried 30-year-old female who does not smoke, has no disabilities, and makes $70,000 a year. To qualify for Medicaid in Florida, a single adult’s salary must be less than $18,075 before taxes. This individual does not qualify for Medicaid. She is also not eligible for any subsidies through the federal marketplace; however, she can still find a plan through 

The table below lists some of the best insurance plans for a 30-year-old unmarried female. The table provides you with the premium (the amount of money the insurance company will charge you each month for the insurance policy they are purchasing) and the deductible (a fixed amount you must pay each year before your health insurance benefits begin to cover the cost). 

The plans listed here are the best prices in each tier, but dozens of other plans under each tier can be explored on the website. When shopping for healthcare plans, you may encounter many more terms you are unfamiliar with. You can find these terms here

BronzeBlueOptions Bronze 2301S$448.93$9,100
BronzeClear Bronze$456.43$8,600
BronzeBlueOptions Bronze 1419$469.69$6,900
BronzeClear Bronze + Vision + Adult Dental$473.36$8,600
BronzeBlueOptions Bronze (HSA) 1705$475.60$6,850
SilverCMS Standard Silver$610.92$5,800
SilverClear Silver$611.29$5,400
Silver Focused Silver$616.47$6,100
Silver Everyday Silver$618.69$6,500
SilverEnhanced Silver$620.10$7,700
Gold CMS Standard Gold$572.08$2,000
GoldEveryday Gold$584.16$750
GoldCMS Standard Virtual Access Basic Gold$602.37$2,000
GoldEveryday Gold + Vision + Adult Dental$605.83$750
GoldComplete Gold$612.15$1,450
PlatinumBlueOptions Platinum 1418$918.60$1,000
PlatinumBlueOptions Platinum 2305S$960.11$0
PlatinumBlueOptions Platinum 1424$962.53$0

The website matches our profile with 48 different plans, but we have included 3-5 different plans in each tier so that you can gain a better understanding of the deductibles and premiums that come with each tier. 

What Should I Consider When Picking a Health Plan?  

A couple of factors you should consider when picking a health plan are your health needs, financial situation, and travel frequency. 

Your Health Needs

When purchasing a health plan, the most important thing to consider is your current and future health needs. Your health plan should provide adequate coverage if you regularly take prescription medications. 

Additionally, if you have preferences for physicians, pharmacies, facilities, or hospitals, you should ensure that your chosen plan has them within their network.

Your Financial Situation

After determining your health needs and preferences, you should determine how you can budget your health insurance into your monthly expenses. Rent, transportation, and other miscellaneous costs should be factored into your assessment of expenditures. After budgeting your regular expenses, you can determine how much you can afford to pay toward your monthly insurance premium costs. 

Freelancers and contractors should determine how insurance premiums affect their budget at their highest and lowest incomes. If you run into trouble budgeting insurance premiums into your expenses, we have compiled some ways you can lower them to make room for this essential service. 

How much can you afford?

Once you have determined your monthly budget and expenses, you can choose which plan best fits your budget. If you find that a deductive is too high, you can offset that with a service like Mira that offers discounts on prescriptions, lab tests, and much more. 

High-deductible health plans (HDHP) will have lower premiums. These plans are best suited for healthy individuals that do not anticipate significant medical expenses. A Health Savings Account (HSA) allows you to use your pre-taxed income towards medical expenses like deductibles. However, you cannot use it to pay for your monthly insurance premium. 

Health Image

Get Mira - Health Benefits You Can Afford.

Get doctor visits, lab tests, prescription, and more. Affordable copays. Available in 45+ states. Only $45/month on average.

Average Lowest-Cost Premium in Florida


Source: KFF

What if you frequently travel?

If you travel frequently, you may need to look into Preferred Provider Organization (PPO) plans. PPOs contract with physicians and hospitals to create a network of participating providers. These plans provide out-of-network coverage and allow you to see specialists without a referral. However, these plans often have high premiums. 

What happens if you can’t afford any plan on the exchange? 

Florida does not enforce financial penalties for not enrolling in a healthcare plan, but having reliable healthcare coverage is important. 

Enrolling in a service like Mira may be a more affordable and practical option for a young, healthy adult. Mira provides discounts on prescription medications and lab tests and also allows you to have unlimited provider visits for as low as $45 a month, much lower than any premium on the Colorado exchange. 

How to enroll in an ACA plan?

Signing up for a plan on  may seem intimidating, but the website will walk you through the process. First, you must create an account by providing an email and basic information about yourself. After that, you just need to follow three simple steps. 

  1. Provide Relevant Information
  2. Consider what to look for in a plan
  3. Select the best plan

You can refer to this article here for a more detailed overview of the process.

ACA Health Plans in Florida Frequently Asked Questions (FAQs)

After reading this article, you may still have some lingering questions. Below are some frequently asked questions about choosing the best healthcare plan for you. 

Health Image

Virtual care for only $25 per visit

Virtual primary care, urgent care, and behavioral health visits are only $25 with a Mira membership.

What health insurance terms should I understand during this enrollment period?

When shopping for a health plan, you should familiarize yourself with terms like HSA, deductible, benefits, premiums, and much more. Mira has compiled these terms in a list so you can make an informed decision on your health plan. 

What requirements do I need to meet to be eligible in Florida?

To sign up for a plan through, you must be lawfully present in the US and a resident of Florida. 

What are the benefits that my plan is required to provide?

All Affordable Care Act health insurance plans are required to provide ten essential benefits, known as minimum essential coverage. Any plan on the ACA exchange must include benefits like

  1. Outpatient care
  2. Emergency care
  3. Inpatient care/hospitalization
  4. Pregnancy, maternity, and newborn care
  5. Mental health and substance use services
  6. Prescription drugs
  7. Rehabilitation services and devices
  8. Laboratory services
  9. Preventive care and chronic disease services
  10. Pediatric care

When is the special enrollment period?

If you miss the open enrollment period ending on January 15, 2023, you may be eligible for the special enrollment period. If you have had a qualifying life event such as the birth of a child, change in income, or health insurance loss, you will be eligible to apply 60 days before and after the event to enroll in a health plan through special enrollment. will provide you with the necessary information to determine if you are eligible for special enrollment. 

Bottom Line

There are many factors to consider when shopping for the healthcare plan that is right for you. Your current and future health needs, your financial situation, and your travel frequency must all be considered. If you find that the premiums available on are too high for your monthly budget, consider signing up for a service like Mira. Mira provides discounts on essential health services like primary care, prescription medications, and lab tests. Mira does not have a specific enrollment period, so you can start saving and signing up today!

Shandra Ahsan

Shandra is a junior at Yale University, where she is studying biomedical engineering. Before joining Mira, Shandra wrote in the science and technology column of a local newspaper. Additionally, she has experience writing healthcare policy, covering topics such as the American Rescue Plan Act, abortion rights, and expansion of Medicare eligibility.