Florida ยท FL
Health insurance in Florida: private plans, the Marketplace, and how AFHC helps
America First Healthcare helps Florida residents compare private plans, Marketplace options and gap coverage with a licensed advisor. Below is how buying coverage works in Florida, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Quick facts
- Marketplace
- HealthCare.gov
- 2027 open enrollment
- See the dates
- Medicaid expansion
- Not adopted
- Short-term plans
- Limited
- Insurance department
- Florida Office of Insurance Regulation
Facts checked 2026-09-14.
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
- 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
- Short-term plans
- 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
- 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.
Who we usually help in Florida
Most Florida households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail.
- Self-employed and 1099 workers
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- 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.
How the free review works for Florida residents
- Book online at the free healthcare review page or call (888) 728-7640.
- One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in Florida.
- You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.
On our homepage map, Florida is one of the states marked active now.
Florida health insurance FAQs
Is short-term health insurance allowed 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.
When is open enrollment in Florida for 2027 coverage?
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.
Does Florida use HealthCare.gov or its own marketplace?
Florida uses HealthCare.gov, the federally facilitated Marketplace, for Marketplace plans and premium tax credits.
How do I verify an insurance agent's license in Florida?
Look the agent up through the NIPR license lookup, or contact the Florida Office of Insurance Regulation. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Want a plain-English walkthrough of your Florida options? Book a free healthcare review. No hard sell.
Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.