Key takeaways
- Florida's average single-coverage deductible in employer plans is $2,121, against $2,169 nationally.
- Family coverage averages $3,973 in Florida and $3,997 nationally.
- These are averages across employers, not a quote: your own plan document is what governs.
- Employer coverage is the largest single source of coverage in Florida, at 40.7% of residents.
The average annual deductible per enrolled employee in Florida employer-based coverage is $2,121 for single coverage and $3,973 for family coverage, according to the federal Medical Expenditure Panel Survey Insurance Component. Both sit fractionally below the national averages.
Employer coverage
What a deductible actually averages, Florida against the nation
Average annual deductible per enrolled employee in job-based coverage, 2025. Florida sits just below the national average on both.
Average annual deductible
View the data as a table
| Category | Florida | United States |
|---|---|---|
| Single coverage | $2,121 | $2,169 |
| Family coverage | $3,973 | $3,997 |
Read it as a benchmark, not a quote
An average across employers tells you where the middle of the market sits. It does not tell you what any particular plan does. Two employers in the same county can offer plans whose deductibles differ by thousands.
| Coverage | Florida | United States | Difference |
|---|---|---|---|
| Single | $2,121 | $2,169 | −$48 |
| Family | $3,973 | $3,997 | −$24 |
Where employer coverage sits in Florida
Employer plans remain the single largest source of coverage in the state, though Florida leans on them less than the country as a whole and more on the individual market.
Florida
How Florida gets covered
Every Florida resident by source of coverage in 2024. Marketplace plans sit inside the non-group slice, and Florida's uninsured share runs above the national 8.2%.
View the data as a table
| Category | Share of residents |
|---|---|
| Employer | 40.7% |
| Medicare | 17.9% |
| Medicaid | 16.2% |
| Non-group | 12.5% |
| Uninsured | 10.9% |
| Military | 1.8% |
What a deductible year looks like
A deductible is only the first share. On a covered procedure the plan and the patient split what is left, which is where the annual figure above turns into a real bill.
Worked example
A $15,000 covered procedure, split three ways
The deductible comes first, then 80/20 coinsurance applies to what is left.
View the data as a table
| Category | Amount |
|---|---|
| Your deductible | $1,500 |
| Your coinsurance | $2,700 |
| Plan pays | $10,800 |
Sources
Checked . Figures are published by the organisations below; confirm the current year before relying on any of them.
- 1Average Annual Deductible per Enrolled Employee in Employer-Based Health InsuranceKFF State Health Facts, from the federal MEPS Insurance Component
- 2Health Insurance Coverage of the Total PopulationKFF State Health Facts
