Florida has one of the highest uninsured rates in the country — about 2.8 million residents without coverage. A big reason: the state never expanded Medicaid, so working adults who earn too much for traditional Medicaid but can't afford ACA premiums fall through the cracks. Health sharing plans have filled some of that gap.

If you're a Florida resident looking at health sharing, here's what the options actually look like.

Florida's Health Coverage Landscape

Florida opted out of Medicaid expansion, which means adults earning between 100-400% of the federal poverty level ($14,580–$58,320 for a single person) can get ACA subsidies — but those just above the Medicaid cutoff with limited subsidies face steep premiums.

Unsubsidized ACA Silver premiums in Florida run $380–$520/month for a 35-year-old, depending on the county. That's $4,500–$6,200/year before you've paid a single medical bill.

No state insurance mandate means you won't face a penalty for choosing health sharing instead.

All 6 Plans in Florida

| Plan | Monthly Cost (Individual) | Faith Required | Pre-Existing Wait | Best For | |------|--------------------------|----------------|------------------|----------| | CrowdHealth | ~$140 | No | None | Young, healthy, low usage | | Zion HealthShare | $185–$268 | No | None (Jan 2026) | Best overall value | | Medi-Share | $227–$405 | Yes | 12 months | Christians wanting stability | | Sedera | $199–$379 | No | Varies | Employer groups | | Samaritan Ministries | $220–$495 | Yes | 12–24 months | Faith-based community | | Presidio Healthcare | N/A | N/A | N/A | Texas only — not available in FL |

What Makes Florida Different

Hurricane and weather-related care: Most health sharing plans cover injuries from accidents, including storm-related injuries. If a hurricane hits and you need emergency care, that's shareable after your IUA — same as any other emergency. What's not covered: property damage, evacuation costs, or long-term displacement care.

Large retirement population: Florida has more residents over 65 than almost any other state. Most of those residents are on Medicare — health sharing isn't relevant for them. But Florida also has a large 55-64 population who've retired early or are self-employed and need pre-Medicare coverage. Health sharing can bridge that gap, though costs are higher for older members.

Self-employed population: Florida has roughly 1.5 million self-employed workers. For anyone earning above subsidy thresholds and paying full ACA prices, health sharing represents a real alternative.

Monthly Cost Comparison for Florida Residents

For a 40-year-old individual in Miami:

| Coverage | Monthly Cost | Annual Deductible/IUA | Key Limitation | |---------|-------------|----------------------|----------------| | ACA Bronze (unsubsidized) | ~$310 | $7,000 | High deductible | | ACA Silver (unsubsidized) | ~$450 | $4,500 | Expensive | | Zion Standard | $235 | $2,500 | Not insurance | | Medi-Share Silver | $340 | $2,700 | Faith required, pre-ex wait | | CrowdHealth | $140 | Varies | Crowdfunding model |

Costs rise with age. A 55-year-old pays roughly 40-60% more than a 40-year-old on health sharing plans.

Zion HealthShare: Best Option for Most Floridians

For healthy Floridians without significant pre-existing conditions who don't want a faith requirement, Zion is the strongest option.

• No faith requirement (dropped January 2026)
• Cigna PPO network — covers most major Florida health systems (Baptist Health, AdventHealth, Memorial Healthcare, NCH)
• No pre-existing condition wait (as of January 2026)
• Telehealth and prescriptions included
• $185–$268/month depending on age and IUA tier

A 40-year-old in Orlando on Zion Standard ($235/month) vs. ACA Silver ($450/month) saves $2,580/year. That's real money.

Medi-Share: For Florida's Faith Community

Florida has a large Christian population, and Medi-Share has a meaningful presence here. If you're an active Christian who values the faith-based community aspect, Medi-Share is worth considering.

The trade-offs vs. Zion:

• 12-month pre-existing condition waiting period (vs. none with Zion)
• Faith statement required
• $40–$175/month more expensive depending on tier
• Higher coverage cap ($350K vs $250K per incident)

If you're healthy and Christian, that higher cap might justify the cost. If you have any pre-existing conditions, Zion's immediate coverage is worth more.

CrowdHealth: The Budget Option

At ~$140/month, CrowdHealth is the cheapest option available to Floridians. It works well for:

• People under 35 who are genuinely healthy
• Those who want catastrophic-only protection
• Families with young children in good health

The limitation: CrowdHealth's crowdfunding model is less predictable than a traditional sharing pool. Members report it works well for routine needs but can feel uncertain for large claims.

Special Consideration: Older Floridians (55-64)

If you're approaching Medicare age and need a bridge, health sharing costs rise significantly for older members:

• A 60-year-old pays roughly $350–$600/month on most health sharing plans
• ACA Silver with subsidies (if you qualify) may be cheaper
• Medi-Share and Zion both accept members up to age 64

Run the numbers both ways. For a 62-year-old who qualifies for significant ACA subsidies, ACA might actually be cheaper. For one who doesn't, health sharing could save $200-$400/month.

Florida-Specific Health Costs to Know

Florida has some of the highest hospital prices in the Southeast:

• Miami-Dade ER visit: $2,500–$9,000 average
• Tampa Bay hospital stay (1 night): $14,000–$22,000
• Orlando outpatient surgery: $8,000–$35,000 depending on procedure

These bills are shareable under all plans (after your IUA), but the larger the bill, the more important your sharing cap becomes. Zion's $250K cap is sufficient for most events; Medi-Share's $350K offers more buffer for serious situations.

Which Plan Is Right for You?

Zion HealthShare — best for most Floridians. Lowest cost without faith requirement, Cigna PPO, no pre-existing wait.

Medi-Share — best for practicing Christians who want a 30-year track record and larger member base.

CrowdHealth — best if you're young, healthy, and want the absolute lowest monthly cost.

Samaritan Ministries — best for Christians who want a peer-to-peer community model with direct member relationships.

Sedera — worth asking about if your employer offers it as a benefits option.

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