How buying coverage works in Florida
Floridians buy Marketplace plans through HealthCare.gov, the federal Marketplace. Plans are also sold directly by insurance companies and through licensed agents and brokers. Some insurers sell plans only outside the Marketplace.
Your options depend on where you live. For 2027, the Florida Office of Insurance Regulation's filings list 647 individual-market plans from 15 insurance companies, and 12 of those companies sell plans through the federal Marketplace. Which companies and plans you can choose from varies by county.
Good to know: Premium tax credits, which lower your monthly premium, are only available on plans bought through the Marketplace. In general, households with income between 100% and 400% of the federal poverty level qualify. The extra federal help that was available through 2025 has ended, so households above 400% no longer qualify.
Key dates for 2027 coverage
- November 1, 2026Open Enrollment starts. You can enroll in, renew or change a Marketplace plan.
- December 15, 2026Last day to choose a plan for coverage that starts January 1, 2027.
- January 15, 2027Open Enrollment ends. Plans chosen December 16 to January 15 start February 1.
Outside Open Enrollment, you can usually enroll only if you have a qualifying life event, such as moving, losing other coverage, getting married or having a baby. A Special Enrollment Period usually gives you 60 days to choose a plan.
Medicaid and the coverage gap in Florida
Florida is one of the states that hasn't expanded Medicaid to cover all low-income adults. Every state's Medicaid program, including Florida's, still covers some people based on factors like income, household size, disability and family status. In Florida, though, income alone doesn't qualify an adult.
In states that haven't expanded, adults with income below 100% of the federal poverty level who don't qualify for Medicaid can fall into a gap. Their income is too low for Marketplace tax credits. HealthCare.gov still recommends filling out a Marketplace application, because you may qualify for Medicaid through another route or for other options such as a Catastrophic plan.
Moving to Florida, or splitting your time?
Moving to a new state can make you eligible for a Special Enrollment Period. And because we're licensed nationwide, you can keep the same advisors if you move, have family in another state or run a business with employees in several states.
Coverage for Florida businesses
From a one-person company to a large employer, we help Florida businesses compare group health plans side by side, explain how costs are shared between employer and employee, and review your options again at every renewal.
Who regulates insurance in Florida?
The Florida Office of Insurance Regulation oversees insurance companies and reviews health plan rate filings. For help with a problem with your insurance company, the Florida Department of Financial Services runs a consumer helpline at 1-877-MY-FL-CFO (1-877-693-5236). For problems using HealthCare.gov itself, call the federal Marketplace at 1-800-318-2596.
Sources
- KFF: Status of State Action on the Medicaid Expansion Decision (updated October 2026)