Comparing health insurance in the United States is not straightforward, as several high-quality companies are currently operating. In addition to this, most insurers work with both private and public plans, which can lead to a series of parameters like subsidies that alter prices and coverage.
At Dulcinea Insurance, we aim to provide you with the most information possible as a client, so we are leaving you this post, which has been prepared by our President, Luis Orlando Hernández, with the advice of the best health insurance agents.
If after reading the article you have any questions left, on the other side of the phone 786-910-9487 we will be ready to help you with everything you need. We remind you that our insurance agency is based in Florida, but it has licenses and authorizations to work in most states in the country, including Texas, Tennessee, North Carolina, Georgia, California, New Jersey, Illinois, South Carolina, among many others.
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How to compare health insurance
To compare health insurance plans, we will base our comparison on the following points:
- Health insurance prices
- Types of medical plans offered
- Medication and Procedure Coverage
- Doctor and hospital network
- Coverage in major cities
After we show you the comparative table of health insurance, we will proceed to explain each point, because the central idea we have at Dulcinea Insurance is that when you read this post, you will become an «expert client» on health insurance topics.
Comparison table of health insurance in Florida
| Company | AMBETTER | OSCAR | Florida Blue | AETNA | CIGNA | Molina | United Healthcare |
| PRICES | LOW-HIGH | LOW-MEDIUM | LOW-MEDIUM | Under | LOW-HIGH | Medium-high | Medium-high |
| TYPES OF PLANS | HMO-EPO | EPO | HMO-EPO | Health Maintenance Organization | HMO-EPO | Health Maintenance Organization | Health Maintenance Organization |
| Coverage | Medium-high | Medium-high | Medium-high | Medium-high | Medium-high | Medium-high | Medium-high |
| DOCTORS | MEDIUM | Medium-high | MEDIUM | MEDIUM | Medium-high | MEDIUM | MEDIUM |
| CITIES | STOP | Medium-high | STOP | Medium-high | MEDIUM | MEDIUM | MEDIUM |
Explanation of health insurance comparison
When designing the comparative table of health insurance in Florida, we have taken into account Low, Medium, and High values. With these, we obtain an adequate range so that as a client you know how to differentiate between each of the insurance companies working in the state.
As for health insurance prices, you can notice that insurance companies like Ambetter Insurance have ranges that go from Low to High. This is because this insurance company offers both HMO plans, which are cheaper (they need a referral from a primary doctor to see specialists), and EPO plans, which are more expensive (they do not require referrals for specialists).
Regarding medication and procedure coverages, we can note that all insurers possess a Medium-High category. This is because, due to the establishment of the Affordable Care Act in 2010, health insurance companies throughout the United States are required to comply with a series of coverages that greatly benefit the customer.
Read more about: What are the 10 essential benefits of Obamacare?
In the comparison of health insurance plans, the covered doctors and hospitals generally range from Medium to High. For example, there are companies like Oscar where not all doctors are covered, as they claim this insurer is a bit slow in payments between institutions.
This happens similarly with Florida Blue insurance in the Sunshine State, which in its My Blue version works with a concentrated network of primary clinics, prioritizing Sanitas Clinic. However, this same company in its EPO version, whether with Blue Select or Blue Care, has a wide network of doctors and hospitals, so its prices are higher.
The same happens with a company like United Healthcare, which turns out to be the largest of all operating in the country, but has had serious problems with the law regarding coverage denials to its clients. And with Aetna, which after being under the CVS umbrella has had considerable changes and decided in 2026 to exit the health insurance market. Affordable Care Act.
Cigna, for its part, continues to work in various sectors including plans through workplaces, Medicare and Obamacare, and in the latter its coverage is limited to very few counties. Ambetter, for its part, is very strong in the Obamacare and Medicaid area, and not so much in the other areas.
We hope that with this health insurance comparison you have a general idea of how health insurance works in the country. If you have any questions left, we hope you call us at 786-910-9487 and we can gladly help you whether it is to get a quote, change companies, or select a new plan. Our guidance at Dulcinea Insurance is and always will be free.
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