Florida · 2027 Open Enrollment

Florida ACA health insurance for 2027

Open Enrollment for 2027 Florida Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Florida and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.

What's new in Florida for 2027

Florida has more Marketplace enrollees than any other state, with more than 4.5 million people. Cigna is leaving Florida's Marketplace for 2027, and Sunshine State Health Plan products are being discontinued.

Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.

How to enroll in Florida

Florida residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:

1. Enter your Florida ZIP code, household size and estimated 2027 income.
2. Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
3. Pick a plan, submit your application and pay your first premium to activate coverage.

Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).

2027 Florida Marketplace insurers

• Florida Blue (Blue Cross Blue Shield of Florida)
• Ambetter (Celtic / Centene)
• Oscar
• UnitedHealthcare
• AvMed
• Capital Health Plan
• Florida Health Care Plans
• Health First
• AmeriHealth Caritas
• Simply Healthcare (Wellpoint)

Not every insurer sells plans in every county. Source: healthinsurance.org Florida Marketplace guide and state rate filings, September 2026.

Medicaid and the coverage gap in Florida

Florida has not expanded Medicaid, so many adults without children don't qualify for Medicaid regardless of income. If your household may qualify for Florida Medicaid and KidCare, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.

Where we help in Florida

We enroll individuals, families, self-employed workers and early retirees across Florida, including Miami, Tampa, Orlando, Jacksonville, Tallahassee and Fort Myers, plus rural counties. Everything is handled by phone and online, so there's no office visit.