Find Affordable Coverage in Florida
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Florida ACA Marketplace Overview
In 2026, approximately 1,200,000 Florida residents are enrolled in ACA Marketplace coverage. Florida uses the federal exchange, Healthcare.gov for health insurance enrollment.
Florida has not expanded Medicaid under the ACA. Adults in the coverage gap (earning too much for Medicaid but too little for Marketplace subsidies) may have limited options.
How Much Does ACA Coverage Cost in Florida?
The benchmark Silver plan (second-lowest-cost Silver plan) in Florida costs approximately $422/month before subsidies in 2026. However, most Florida residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Florida households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Florida household income.
Top ACA Health Insurance Companies in Florida
The following carriers offer ACA Marketplace plans in Florida for 2026:
- Florida Blue
- Ambetter
- Oscar Health
- Molina
Plan availability varies by county in Florida. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Florida
- Bronze: Lowest premiums, highest deductibles. Best for healthy Florida residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Florida households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Florida residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Florida counties.
When to Enroll in Florida
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Florida Insurance Resources
- Healthcare.gov — Official Florida enrollment portal
- Florida Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit