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ACA Marketplace Plans

Platinum Plans in Florida

Platinum

Compare 19 Platinum ACA marketplace plans from 4 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 data

Total Plans

19

Issuers

4

HSA-Eligible

0

Avg Baby Cost

$768

Platinum health insurance plans in Florida offer the highest level of coverage available through the CMS marketplace, with an actuarial value of approximately 90%. This means the plan covers about 90% of your healthcare costs on average, leaving you responsible for only 10% through deductibles, copays, and coinsurance.

Florida offers 19 Platinum plans from 4 different insurance companies, providing comprehensive options for those who want maximum coverage. While Platinum plans have the highest monthly premiums compared to Bronze, Silver, and Gold tiers, they offer the lowest out-of-pocket costs when you actually need medical care.

These plans are ideal for individuals and families who use healthcare services frequently, have chronic conditions, or want predictable, low costs when seeking medical treatment.

Cost Scenarios

Normal delivery

Having a Baby

$660
Median Out-of-Pocket
Min $460Max $1,710
P25 $460P75 $660

Type 2, routine care

Managing Diabetes

$700
Median Out-of-Pocket
Min $420Max $1,500
P25 $700P75 $1,300

Emergency room treatment

Simple Fracture

$700
Median Out-of-Pocket
Min $400Max $1,220
P25 $500P75 $800

Plan Comparison

Showing 19 of 19 plans
Plan Name Issuer Type HSABaby OOP ↑Diabetes OOP Fracture OOP SBC
myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)HMONo$460$1,300$500PDF
AvMed Entrust Platinum 25 Dental+Vision (2026)AvMedHMONo$460$620$600PDF
BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)POSNo$460$1,300$400PDF
BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)POSNo$460$1,300$400PDF
BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)Florida Blue (BlueCross BlueShield FL)PPONo$460$1,300$400PDF
BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)Florida Blue (BlueCross BlueShield FL)EPONo$460$1,300$400PDF
myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)HMONo$460$1,300$500PDF
AvMed Entrust Platinum 25 (2026)AvMedHMONo$460$620$600PDF
AvMed Entrust Platinum Standard (2026)AvMedHMONo$560$520$800PDF
myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)HMONo$660$700$800PDF
BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Florida Blue (BlueCross BlueShield FL)PPONo$660$700$700PDF
myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)HMONo$660$700$800PDF
BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)POSNo$660$700$800PDF
BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Florida Blue (BlueCross BlueShield FL)EPONo$660$700$800PDF
BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)POSNo$660$700$800PDF
Capital Health Plan HMO Platinum 4000Capital Health PlanHMONo$1,260$420$700PDF
BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Florida Blue (BlueCross BlueShield FL)PPONo$1,710$1,500$1,220PDF
BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Florida Blue (BlueCross BlueShield FL)EPONo$1,710$1,500$1,220PDF
BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Florida Blue HMO (a BlueCross BlueShield FL company)POSNo$1,710$1,500$1,220PDF

Issuers Offering Platinum Plans

IssuerPlansAvg Baby CostAvg Diabetes CostAvg Fracture Cost
Florida Blue HMO (a BlueCross BlueShield FL company)9$688$1,056$691
Florida Blue (BlueCross BlueShield FL)6$943$1,167$790
AvMed3$493$587$667
Capital Health Plan1$1,260$420$700

Frequently Asked Questions

How many Platinum health insurance plans are available in Florida?

There are 19 Platinum health insurance plans available in Florida through the CMS marketplace, offered by 4 different insurance companies.

What's the difference between Platinum plans and other metal levels in Florida?

Platinum plans have the highest actuarial value at approximately 90%, meaning they cover about 90% of healthcare costs. They have higher monthly premiums than Bronze, Silver, or Gold plans, but offer the lowest out-of-pocket costs when you need medical care.

Can I use a Health Savings Account with Florida Platinum plans?

No, none of the Platinum plans in Florida are HSA-eligible. HSA compatibility requires high-deductible health plan status, which conflicts with Platinum plans' comprehensive, low-deductible benefit design.

How much does it cost to have a baby with a Florida Platinum plan?

The cost for having a baby ranges from $460 to $1,710 depending on which Platinum plan you choose, with a median cost of $660. This wide range shows why comparing specific plan benefits is important.

What types of Platinum plans are available in Florida?

Florida offers Platinum plans in four types: 8 HMO plans, 5 POS plans, 3 EPO plans, and 3 PPO plans. Each type offers different levels of provider network flexibility and referral requirements.

Find the Right Platinum Plan in Florida

Compare out-of-pocket costs across 19 Platinum plans. Our AI navigator can help you understand which plan fits your healthcare needs and budget.

Talk to Our AI Navigator

Disclaimer: 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 Platinum 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.