What is the Best South Florida Health Insurance Plan?

What is the Best South Florida Health Insurance Plan?

Couple going over paperwork on insurance plan options

We Analyze So You Don’t Have To

If you are looking for the top South Florida Health Insurance Plans then look no further! Our team has gathered all the intel from all of the top carriers on the ACA(Marketplace) and Off-Exchange(Short Term) and the results are in: For ACA the best are Florida Blue and Cigna and for Short Term its Golden Rule(United Healthcare).

ACA Health Plan Analysis

When looking for the best health insurance plans in South Florida, our agents start with the big picture –hospital coverage. Why do we start with hospital coverage? Well, if you were to need surgery or were diagnosed with cancer, one of the most important benefits of potential coverage would be that hospitals that you would frequent. For this analysis we used U.S. Health’s Reports on and narrowed the list down to these hospitals: Mount Sinai, Baptist Hospital and Cleveland Clinic in Weston. The list below are the carriers with one or more of those hospitals in-network. Results are in alphabetical order.

Aetna CVS Health

2022 marked the first year that Aetna was featured on the marketplace. So far, the results are encouraging. Aetna has all three hospitals in-network. This is great and for a new carrier shows that they care about providing South Florida with access to great hospitals.

Ambetter from Sunshine Health

Ambetter takes a different approach to insure South Florida residents by providing both an HMO and an EPO Option. The EPO is a much broader network but is usually more expensive than the HMO option. Unfortunately on both the HMO and PPO they do not have access to Cleveland Clinic. So, while their health insurance would be good for someone in Miami-Dade County they would be bad for someone in Broward County.


AvMed offers HMO coverage on the marketplace. They also have private plans offered directly that are POS (Point of Service) They offer both the Cleveland Clinic and Baptist Hospital in-network but do not cover Mount Sinai. This has been an ongoing issue with AvMed and Mount Sinai and unfortunately its individuals who are penalized.

Bright Health

We liked Bright Health quite a bit but after hearing from client’s issues with claims and doctors no longer accepting the insurance were a bit skittish. In South Florida, Bright Health is offered at Cleveland Clinic and Mount Sinai but not Baptist Hospital. With other carriers in the area, we’d advise our clients to avoid them at this moment.


Cigna offers a robust EPO on Healthcare.Gov here in South Florida. All three hospitals Baptist, Mount Sinai and Cleveland Clinic are in-network. Cigna is offered at a price point that is higher than most plans but still remains affordable. Cigna is one of our picks as the best South Florida health insurance option.

Florida Blue

Every year, Florida Blue maintains its spot on the leaderboard as one of the top solutions for health insurance in South Florida. Florida Blue is unique in that it offers an HMO, EPO and PPO for any price point. Florida Blue remains the only carrier that offers coverage in every county in Florida. Baptist, Mount Sinai and Cleveland Clinic are in-network with all of their plans.

Molina Health

Although it’s not our number one recommendation, we also suggest is Molina Healthcare. Molina is a leader in the Medicaid field and offers good coverage in many states, however, Florida is not one of them. None of the three hospitals listed above currently accept Molina Healthcare. At the moment, Molina offers just an HMO plan.


Oscar is on par with Molina in terms of value here in South Florida. None of the benchmark hospitals are in-network. Oscar and Bright are very similar; they are newcomers trying to find their footing in the ACA marketplace. We haven’t had very good feedback from our clients on Oscars so this is another plan we tend to avoid. None of the benchmark hospitals participate in Oscar.

United Healthcare

United Healthcare is the 800 Pound Gorilla in the Health Insurance and Medicare Supplement field. They are excellent for Short Term, Group, and Medicare. However, they have struggled with the ACA market in previous years. They were on the ACA then pulled out a few years ago. They are back this year with HMO options in limited markets including South Florida. As of now neither Baptist, Mount Sinai or Cleveland Clinic participate under the United Healthcare HMO on the marketplace.

Short Term Health Insurance

Short Term Medical Insurance

With its large network and good claims history United Healthcare(Golden Rule) is the number one choice for this category. With plans as little as one month in length up to three years they offer a strong alternative for those who need temporary coverage.

Get a FREE Insurance Quote!

FHI Client Testimonials

"Evan was awesome answered all my questions and got me set up on a great plan! I can’t thank him enough. I finally have a plan that will meet my needs!"
Paula Murray
Paula M.
Google Review
"Evan was very professional and quick to help! He was also very knowledgeable. I will definitely be working with this business in the future!!"
Gina Tocora
Gina T.
Google Review
"Moving from New York to Florida and we’re given Evans name. Evan has been nothing short of professional and knowledgeable health insurance broker."
Susan Price
Susan P.
Google Review

Read More Client Testimonials on Our Google My Business Page

FHI Insurance Partners

Cigna Logo
United Healthcare Logo
Aetna Logo
Humana Logo
BlueCross BlueShield Logo

Get a Free Insurance Quote!