Gold Plans in Florida
GoldCompare 78 Gold ACA marketplace plans from 15 issuers.
How we get our data
Our insurance data is sourced directly from the CMS ACA Marketplace (HIOS), the federal database that insurers are required to report to. We process that data to surface standardized out-of-pocket cost estimates based on three SBC scenarios defined by CMS: having a baby, managing diabetes, and treating a fracture. We update our data annually with each new plan year and link to the original SBC documents so you can verify costs directly with the insurer.
Learn more about our dataTotal Plans
78
Issuers
15
HSA-Eligible
1
Avg Baby Cost
$3,536
Gold health insurance plans in Florida offer substantial coverage with an actuarial value of approximately 80%, meaning the insurance company pays about 80% of covered healthcare costs for a typical population. With 78 Gold plans available from 15 different insurers on the Florida marketplace, you have numerous options to find coverage that balances premiums with out-of-pocket costs.
Gold plans sit in the upper tier of ACA marketplace coverage, offering more comprehensive benefits than Bronze (~60% coverage) and Silver (~70% coverage) plans, but with higher monthly premiums. They provide lower out-of-pocket costs than lower metal tiers, making them ideal for individuals and families who expect to use healthcare services regularly throughout the year.
These CMS marketplace plans in Florida include a variety of plan types: 56 HMO plans, 11 EPO plans, 8 POS plans, and 3 PPO plans, giving you flexibility in choosing your preferred network structure and provider access model.
Cost Scenarios
Normal delivery
Having a Baby
Type 2, routine care
Managing Diabetes
Emergency room treatment
Simple Fracture
Plan Comparison
Issuers Offering Gold Plans
| Issuer | Plans | Avg Baby Cost | Avg Diabetes Cost | Avg Fracture Cost |
|---|---|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 11 | $2,504 | $1,809 | $1,600 |
| Ambetter Health | 8 | $3,819 | $1,845 | $1,926 |
| Health First Commercial Plans, Inc. | 8 | $3,730 | $1,933 | $2,354 |
| Molina Healthcare | 7 | $4,522 | $2,484 | $1,749 |
| Cigna Healthcare | 7 | $4,413 | $1,629 | $1,907 |
| Florida Health Care Plans | 7 | $2,967 | $1,440 | $1,787 |
| Florida Blue (BlueCross BlueShield FL) | 7 | $2,337 | $1,757 | $1,514 |
| Oscar Health Maintenance Organization of Florida | 5 | $3,972 | $2,490 | $2,154 |
| Wellpoint | 4 | $4,618 | $1,620 | $1,780 |
| UnitedHealthcare | 4 | $3,435 | $500 | $2,025 |
| AvMed | 3 | $3,473 | $1,653 | $1,767 |
| Capital Health Plan | 2 | $2,765 | $1,120 | $1,910 |
| AmeriHealth Caritas Next | 2 | $3,395 | $1,880 | $1,790 |
| Cigna HealthCare of Florida, Inc. | 2 | $4,645 | $1,670 | $2,050 |
| 22 Health | 1 | $4,100 | $1,600 | $2,100 |
Frequently Asked Questions
How many Gold health insurance plans are available in Florida?
What does the Gold metal tier mean for my healthcare costs?
Can I use a Health Savings Account with a Gold plan in Florida?
How much will it cost to have a baby with a Gold plan in Florida?
What types of Gold plans are available in Florida?
Find the Right Gold Plan in Florida
Compare out-of-pocket costs across 78 Gold plans. Our AI navigator can help you understand which plan fits your healthcare needs and budget.
Talk to Our AI NavigatorDisclaimer: Our AI navigator provides information collected from trusted sources only and does not constitute licensed insurance advice.
Written by Jayant Panwar | Last reviewed: Q1 2026 | Last updated: January 2026
Insurance Disclaimer: This information is for educational purposes only and does not constitute insurance advice or a recommendation to enroll in any plan. SBC scenarios show standardized cost estimates — your actual costs will vary. Plans shown are CMS marketplace Gold plans in Florida only. Consult your insurance company for accurate cost estimates.
Data source: CMS ACA Marketplace (HIOS), 2026 plan year. See our data methodology and editorial policy. Found an error? Report an inaccuracy.