How Much Does Health Insurance Cost in Jacksonville, FL?
Jacksonville pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Jacksonville's logistics-finance-healthcare economy.See our methodology
Health Insurance Pricing in Jacksonville, FL
Jacksonville offers near-average pricing for health insurance, making it a reasonable market for this service. The local logistics-finance-healthcare economy supports a balanced labor pool, and the city's 950K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in health insurance costs here. Hurricane risk affects insurance and roofing costs; high humidity creates persistent mold and moisture issues.
Market-specific factors matter in Jacksonville: sprawling metro area means travel charges vary by zone; military presence provides steady service demand.
Jacksonville has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Jacksonville vs National Average
What Affects Health Insurance Cost in Jacksonville?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Jacksonville Market Conditions
sprawling metro area means travel charges vary by zone; military presence provides steady service demand
Local Climate Impact
hurricane risk affects insurance and roofing costs; high humidity creates persistent mold and moisture issues
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Top-Rated Health Insurance Pros in Jacksonville, FL
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Tips to Save on Health Insurance in Jacksonville
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Jacksonville Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $351 | — |
| 2021 | $366 | +4.3% |
| 2022 | $390 | +6.6% |
| 2023 | $401 | +2.8% |
| 2024 | $414 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Jacksonville
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Jacksonville than other cities?
Jacksonville's costs reflect local labor rates driven by the logistics-finance-healthcare economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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