Health insurance in Florida for 2027

Florida is the largest ACA Marketplace in the country — roughly 4.7 million enrollees, more than one in five of all Marketplace enrollments nationally. That scale cuts both ways: lots of carrier competition in the big metros, and outsized exposure to every national price shock.

The 2027 picture

[PLACEHOLDER — this section is rewritten each October when Florida's final rates publish. During licensed review, insert: average benchmark premium change for 2027, number of participating carriers statewide, and carrier entries/exits by region. Note: Aetna's exit from all ACA marketplaces took effect January 1, 2026 — confirm where its former Florida members landed and any 2027 follow-on effects.]

What we can say ahead of the final numbers: early 2027 filings nationally point to a second consecutive year of double-digit increases, and Florida's subsidized enrollees were hit especially hard by the enhanced-credit expiration because the state's enrollment skews heavily toward subsidy-dependent households. If your renewal notice looks alarming, you are not alone — and auto-renewing without comparing is the most expensive habit in the state.

Key dates for Florida

• Late October 2026 — window shopping for 2027 plans opens.
• November 1, 2026 — open enrollment begins (Florida uses HealthCare.gov, so the federal window applies).
• December 15, 2026 — enroll by this date for coverage starting January 1, 2027.
• January 15, 2027 — open enrollment closes (enroll December 16–January 15 for a February 1 start). See the full 2027 enrollment calendar.

Florida FAQs

Is Florida a Medicaid-expansion state? No. That creates the "coverage gap": some adults earn too much for Florida Medicaid but too little for Marketplace subsidies (which begin at 100% FPL). If you're near that boundary, estimate income carefully — where it lands changes everything about your options.

Which carriers offer plans where I live? It varies by county — Miami-Dade shoppers may see a dozen carriers; rural Panhandle counties far fewer. The enrollment flow shows exactly what's sold for your ZIP. [PLACEHOLDER — add 2027 carrier list by major region during the October refresh.]

I split the year between Florida and another state. Your plan should be bought for your primary residence — and note that most affordable Florida plans are HMOs with in-network coverage only in-state (emergencies excepted). Snowbirds should look specifically for plans with multi-state networks and read the after-you-enroll guide on reporting a permanent move, which is its own qualifying life event.

Hurricane season and enrollment deadlines? CMS has historically granted special enrollment periods for FEMA-declared disasters that disrupt enrollment. Don't plan around one — but if a storm hits during open enrollment, check our subsidy news page for any announced extensions.

Do I have to talk to anyone to enroll? No. The ZIP box below goes straight to plans and prices. If you want a human anyway, Insureit Agency LLC holds a Florida license (W976782) and the About page explains how that works.