I recently went on a cruise and dived in both Cozumel and Grand Cayman. This was back in December 2022 and it was gorgeous. I don’t know how it looks now with all of the supposed bleaching that is happening (I don’t know if this is just local to Florida or all over) but I would highly recommend either. Best of luck where ever you decide to go.
Cozumel is great diving. Very healthy reefs these days as they rotate dive areas to let them recover. Can't speak for Florida. Cozumel though - drift diving. If you have good buoyancy and can manage your safety stop without a line it is great stuff.
Just be careful around the reef walls and drop offs. Currents can be strong and if not careful get swept out to see. This past January a diver was lost while I was there. Different boat charter but it sort of put a damper on the rest of the week.