How to choose health insurance in Florida

Finding the right health insurance in Florida doesn’t have to be a headache. Whether you’re in Miami, Orlando, or the Panhandle, the goal is to balance your monthly budget with the medical care you actually need.

As we head into 2026, here is your quick guide to picking the best health insurance in Florida through UnitedHealthcare and Oscar Health.

1. Know Your Enrollment Window

In Florida, the Open Enrollment Period typically runs from November 1 to January 15.

• Sign up by December 15: Coverage starts January 1.
• Sign up by January 15: Coverage starts February 1.

If you miss these dates, you’ll need a “Qualifying Life Event” (like getting married, having a baby, or moving) to enroll during a Special Enrollment Period.

2. Compare the “Metal” Tiers

Marketplace plans are categorized by how you and the insurer share costs:

• Bronze: Lowest monthly premiums but higher deductibles. Great for “just in case” coverage.
• Silver: The most popular choice. If you qualify for “cost-sharing reductions” based on income, you must choose a Silver plan to get those extra savings.
• Gold: Higher premiums but lower out-of-pocket costs. Best if you visit the doctor frequently or take regular prescriptions.

3. Choose the Right Provider: UnitedHealthcare vs. Oscar

Both carriers offer excellent coverage in Florida, but they cater to different needs:

• UnitedHealthcare (UHC): Known for one of the largest provider networks in the country, UHC is a great choice if you travel often or want a wide variety of specialist options.
• Oscar Health: A tech-forward favorite. Oscar is known for its user-friendly app, $0 24/7 virtual urgent care, and “Care Teams” that help you navigate your benefits effortlessly.

You can compare rates for both carriers directly at CoverPlus Health.

4. Check the Network (HMO vs. EPO)

Florida plans often operate as HMOs or EPOs.

• HMO: Requires you to stay within the network and usually requires a referral for specialists.
• EPO: Similar to an HMO but often doesn’t require a referral to see an in-network specialist.

Before you commit, use the search tools at CoverPlus Health to ensure your current doctors are in-network for the plan you choose.

5. Calculate Your “Total Cost”

Don’t just look at the monthly premium. To find the true cost of a plan, use this formula:

** (Monthly Premium x 12) + Your Expected Out-of-Pocket Expenses.**

Sometimes a plan that costs $40 more per month will save you thousands of dollars if you have a surgery or chronic condition.

Get Started Today

Ready to see which UnitedHealthcare or Oscar plan fits your lifestyle? Don’t navigate the marketplace alone. Visit CoverPlus Health to compare quotes and get expert guidance on the best Florida health insurance options for 2026.