Home / Florida Cities/Regions / Key West Health Insurance

Key West Health Insurance

Key West Florida Health Insurance Quotes

Key West, Florida in the Conch Republic is the southernmost point in the continental United States. Though always a hurricane target, this island still stands through its constant tropical batterings as a tourist destination and home to many Floridians. Key West residents have access to several great health insurance companies for individual coverage, including Aetna, Celtic, Cigna, Humana, and UnitedHealthcare. These companies provide many plans to choose from to serve the Key West community, including PPOs and HSAs.

As Every Choice Health Insurance is a South Florida company, we are experts in the Key West market. To compare plans rates and benefits in Key West, enter your zip code above to get a quote. Contact one of our agents and ask any questions you may have about health insurance, or get a bit of direction as to which plan to choose. Call us at 888 803 5917.


Key West, Florida Health Insurance Sample Quote


Floridians have the option of buying coverage for a reduced rate through the marketplace, which has perks in being low-cost or free in some cases. Buying a plan direct from the carrier offers larger networks and prescription formularies.

Since many Floridians qualify for a subsidy, we included our top picks from a Key West health quote with a subsidy included.



  • Lives in 33040
  • 40 years old
  • Non-smoker
  • $35,000-per-year income


Plan Criteria:

  • Silver level
  • Lowest premiums from each carrier
  • Office visit copay


While gold plans offer better coverage, more people are buying silver plans because of their affordable premiums, so we included this realistic example. Under the new laws, premiums can increase for age, location, family size, and the type of plan you choose.

The best premium rate for this resident, with a tax credit, was $276 per month. Of 13 possible silver plans, and 37 total options in Monroe County, the only carriers available were Cigna and Florida Blue in this range.

MyCigna Health Flex 1500 was the best plan for the money as it had the lowest premium, a low deductible, and reasonable copayments for primary and specialist care. Although the out-of-pocket is high for most people, the copays should cover most necessary services.

Florida Blue is offering their lowest cost mid-level marketplace plan for $328 per month with subsidy, and the copays are decent for office visits and prescription drugs. There are several other Cigna plans in Key West that are more affordable for this individual than the Blue plan, yet many people choose them for the networks, which won’t be as inclusive on the exchange.



To apply for an exchange plan, contact us at 888.803.5917.