Health Insurance in Orlando: Your Complete Guide (2025)

Choosing health insurance in Orlando is easier when you know your options. This guide covers costs, plans, providers, subsidies, and deadlines so Orlando residents can make confident decisions fast.

Health Insurance Options in Orlando

Most residents obtain coverage through one of these options:

• ACA Marketplace Plans via HealthCare.gov
• Employer Coverage – if offered through your workplace
• Medicare – for those age 65+ or with qualifying disabilities
• Medicaid & CHIP – income-based programs
• Short-Term & Private Plans – temporary coverage

Average Costs in Orlando

• Individual (age 40): ~$465/month before subsidies
• Family of 4 (Silver): ~$1,400/month before subsidies
• Many households earning $40k–$70k can reduce premiums 50–70% with tax credits.

Stat: Orange County had substantial ACA enrollment in 2024, reflecting strong subsidy usage.

Providers & Major Hospitals

Common Insurers:

• Florida Blue
• Ambetter
• Molina
• UnitedHealthcare

Major Hospital Systems:

• AdventHealth Orlando
• Orlando Health
• Nemours Children’s Hospital

Tip: Always verify in-network status before enrolling — use the insurer directory or have an agent check for you.

Enrollment Deadlines

• Open Enrollment: November 1 – January 15
• Special Enrollment: Available after life events (move, job loss, marriage, birth)
• Medicare AEP: October 15 – December 7

Case Study: Orlando Single Professional

• Income: $38,000/year
• Plan: Silver ACA
• Gross Premium: $470/month
• Subsidy: $405/month
• Final Cost: $65/month

Orlando Health Insurance FAQs

What’s the cheapest ACA plan in Orlando?

Bronze plans usually have the lowest premiums but higher deductibles.

Do Orlando hospitals accept Ambetter plans?

Often yes — confirm using the plan’s provider directory or via an agent.

How do I find pediatric specialists in-network?

Use your insurer’s directory filters or ask a licensed agent to verify.