Florida health insurance 2027: prices, plans and free help

Florida health insurance facts

Marketplace

Florida uses HealthCare.gov, the federally facilitated Marketplace.Source

2027 open enrollment

November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enroll December 16 to January 15 for a February 1 start.Source All states' 2027 dates.

Medicaid expansion

Florida has not adopted Medicaid expansion. Adults without children generally do not qualify for Medicaid on income alone, and people below the poverty line may fall into a coverage gap.Source

State insurance department

Florida Office of Insurance Regulation. File complaints and check agent licenses here.Source

Facts checked 2026-09-14. Rules change; confirm anything you plan around at the linked source.

Average cost of health insurance in Florida for 2027

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $738 a month for a 40-year-old in Florida for 2027, before any credit. That is up 8% from $683 in 2026.Source By county, the 2027 benchmark runs from $630 to $1,518 a month.Source

2027 benchmark silver price by age in Florida

Age 40 is the KFF benchmark. Other ages use the CMS default age curve.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.

The 2026 Marketplace in Florida, in numbers

For 2026, 4,538,772 Florida residents picked a Marketplace plan during Open Enrollment, and 94.6% of them received an advance premium tax credit. The average premium was $806 a month per person before the credit and $106 after it, counting everyone who picked a plan. 33.6% paid $10 a month or less after the credit.Source

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $683 a month for a 40-year-old in Florida in 2026, before any credit.Source 16 insurers offered individual-market plans through HealthCare.gov in Florida for 2026.Source

Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.

What our clients in Florida actually paid each month is in health insurance cost by state.

Health insurance companies in Florida for 2027

CMS lists 12 insurers selling 373 Marketplace plans in Florida for 2027, across 67 counties. Which ones you can buy depends on your county.Source

• Florida Blue (BlueCross BlueShield FL): all 67 counties
• Florida Blue HMO (a BlueCross BlueShield FL company): 64 of 67 counties
• Ambetter Health: 63 of 67 counties
• Oscar Health Maintenance Organization of Florida: 34 of 67 counties
• Wellpoint: 34 of 67 counties
• UnitedHealthcare: 33 of 67 counties
• AvMed: 25 of 67 counties
• AmeriHealth Caritas Next: 16 of 67 counties
• Capital Health Plan: 9 of 67 counties
• Health First Commercial Plans, Inc.: 5 of 67 counties
• Florida Health Care Plans: 5 of 67 counties
• 22 Health: 1 of 67 counties

This is CMS’s list of insurers on HealthCare.gov, not a list of the companies America First Healthcare works with.

Cheap health insurance in Florida: where the low prices are

Before tax credits, the lowest-cost bronze plan for a 40-year-old costs $553 a month in the middle Florida county for 2027, from $484 to $1,050 across the state. The lowest-cost silver plan costs $701 in the middle county.Source

Tax credits change the price most. For 2026, 94.6% of Florida Marketplace enrollees got a premium tax credit, and 33.6% paid $10 a month or less after it.Source

Florida has not expanded Medicaid, so some adults with low incomes fall between Medicaid and Marketplace tax credits.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.

Short-term health insurance in Florida

Short-term limited duration plans are sold in Florida. Policy forms and rates must be approved by the Florida Office of Insurance Regulation before they are marketed. In most cases they do not cover pre-existing conditions, and policies effective on or after July 1, 2024 must carry a signed disclaimer that the coverage is not required to comply with the Affordable Care Act. Duration limits follow state and federal rules; check before you buy.Source Short-term plans are not Marketplace coverage and do not get tax credits. How they compare with a catastrophic plan is in catastrophic coverage.

Free, impartial help in Florida

If you have Medicare or will soon: Florida’s State Health Insurance Assistance Program (SHIP) is Serving Health Insurance Needs of Elders (SHINE), 1-800-963-5337.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

If you are buying a Marketplace plan: HealthCare.gov’s Find Local Help directory lists assisters trained and certified by the Marketplace, who are required to give fair, impartial information.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in Florida

New to private coverage? Start with private health insurance in the USA.

Self-employed? Self-employed health insurance in Florida has your 4 options, 2026 prices and a tax deduction calculator.

• Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• People who are out of work
• Families who want catastrophic-first coverage

We work with families across Florida, including Miami, Orlando, Tampa and Jacksonville, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.

What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.

On our homepage map, Florida is one of the states marked active now.

Florida health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.