Silver Plans in Florida
SilverCompare 131 Silver 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
131
Issuers
15
HSA-Eligible
0
Avg Baby Cost
$7,559
Silver health insurance plans in Florida offer a balanced approach to healthcare coverage, providing approximately 70% actuarial value. This means the plan pays for about 70% of covered healthcare costs for a typical population, while you pay the remaining 30% through deductibles, copays, and coinsurance.
With 131 Silver plans available from 15 different insurers in Florida, this metal level sits in the middle between Bronze plans (lower premiums, higher out-of-pocket costs) and Gold plans (higher premiums, lower out-of-pocket costs). Silver plans are particularly attractive because they're the only metal level eligible for Cost Sharing Reduction (CSR) subsidies if your household income qualifies, which can significantly lower your deductibles and copays.
These CMS marketplace plans come in various network types, with HMO plans being the most common (105 plans), followed by EPO (14 plans), POS (9 plans), and PPO (3 plans). This variety ensures you can find coverage that fits both your budget and your preferred approach to healthcare access.
Cost Scenarios
Normal delivery
Having a Baby
Type 2, routine care
Managing Diabetes
Emergency room treatment
Simple Fracture
Plan Comparison
Issuers Offering Silver Plans
| Issuer | Plans | Avg Baby Cost | Avg Diabetes Cost | Avg Fracture Cost |
|---|---|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 40 | $8,050 | $4,224 | $2,005 |
| Oscar Health Maintenance Organization of Florida | 12 | $8,013 | $2,942 | $2,638 |
| Ambetter Health | 11 | $8,001 | $2,784 | $2,673 |
| Cigna Healthcare | 9 | $7,987 | $1,749 | $2,233 |
| Health First Commercial Plans, Inc. | 8 | $5,693 | $2,058 | $2,763 |
| Molina Healthcare | 8 | $8,606 | $4,000 | $2,050 |
| Florida Health Care Plans | 8 | $6,183 | $3,145 | $2,025 |
| Florida Blue (BlueCross BlueShield FL) | 8 | $6,095 | $3,875 | $2,035 |
| UnitedHealthcare | 6 | $6,827 | $600 | $2,633 |
| AvMed | 5 | $6,510 | $2,060 | $1,860 |
| Wellpoint | 4 | $7,533 | $1,695 | $2,565 |
| Cigna HealthCare of Florida, Inc. | 3 | $9,097 | $1,853 | $2,267 |
| Capital Health Plan | 3 | $8,700 | $1,920 | $2,433 |
| 22 Health | 3 | $7,317 | $2,700 | $2,600 |
| AmeriHealth Caritas Next | 3 | $6,837 | $2,000 | $2,293 |
Frequently Asked Questions
How many Silver health insurance plans are available in Florida?
Can I use a Health Savings Account (HSA) with Silver plans in Florida?
What types of Silver plan networks are available in Florida?
How much does it cost to have a baby with a Silver plan in Florida?
Are Silver plans eligible for Cost Sharing Reduction (CSR) subsidies?
Find the Right Silver Plan in Florida
Compare out-of-pocket costs across 131 Silver 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 Silver 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.