Medicaid in Florida
Like Texas, Florida has not expanded Medicaid. Eligibility is limited to very low-income parents (about 26% FPL, or roughly $7,100 a year for a family of three), pregnant women, children, and people with disabilities. Childless adults don't qualify at any income level.
This means the ACA marketplace is the only option for subsidized coverage for the vast majority of uninsured adults in the state. About 2.8 million Floridians were enrolled in marketplace plans for 2025, more than any other state. Enrollment fell for 2026 after the enhanced subsidies expired.
What plans cost in 2027
The Florida Office of Insurance Regulation approved 2027 individual market rates with a weighted average increase of 10.4% before subsidies. The average monthly premium per person goes from about $811 to $898. That is a smaller jump than 2026, when premiums rose more than 30% on average, but it lands on top of it.
Increases vary a lot by company. Among insurers selling on the marketplace, the approved averages range from 5.9% for Ambetter (Centene Venture Company Florida) to 25% for UnitedHealthcare of Florida. Florida Blue's EPO plans and AmeriHealth Caritas both rose 18.8%, while Florida Blue's HMO plans (Health Options) rose 9.5%.
For a concrete example, the benchmark Silver plan for a 40-year-old in Miami-Dade County costs about $737 per month before subsidies in 2027, up from about $682 in 2026, based on HealthCare.gov plan data.
The enhanced premium tax credits expired after 2025 and were not extended, so for 2027 there is no subsidy above 400% FPL ($63,840 for a single person). A 55-year-old in Miami earning $65,000 is just over that line and pays full price, about $1,286 per month for the benchmark Silver plan. Below 400% FPL, credits still cover much of the cost, and many lower-income enrollees can still find $0-premium Bronze plans.
Carriers in Florida (2027)
Twelve insurance companies sell plans on the Florida marketplace for 2027, though not all are available in every county. Cigna and Molina no longer offer marketplace plans in Florida, so their members need to pick a new plan. The main options:
- Florida Blue (BCBS of Florida) is the dominant carrier with the broadest network and availability statewide. It sells both EPO plans and HMO plans (through Health Options). If you want the widest choice of doctors and hospitals, Florida Blue is usually the safest bet.
- Ambetter (Centene) offers some of the lowest premiums in many Florida counties and had one of the smallest rate increases for 2027. Networks are narrower but cover major hospitals in metro areas.
- Oscar Health operates in many Florida markets, including the Keys, and is popular with younger enrollees for its app-based experience.
- UnitedHealthcare offers HMO plans in several metro areas. It had the largest approved increase for 2027 (25%), so current members should compare before renewing.
- Wellpoint (Simply Healthcare, an Elevance company) and AmeriHealth Caritas Next both have roots in Medicaid managed care and sell marketplace plans in South and Central Florida, with Wellpoint also in parts of North Florida.
- AvMed has a presence in South and Central Florida and Jacksonville.
- Regional plans: Capital Health Plan (Tallahassee area), Florida Health Care Plans, Health First (Space Coast), and 22 Health from Community Care Network (Broward County only).
Florida still has more options per county than most states. In Miami-Dade, for example, you will see about 160 plan options across all tiers and carriers for 2027.
Key regions
South Florida (Miami-Dade, Broward, Palm Beach)
The most competitive marketplace in the state. Multiple carriers, lots of plan options, and benchmark Silver premiums that are relatively high (which means larger subsidies for eligible people). Miami-Dade has historically had some of the highest marketplace enrollment in the entire country.
Central Florida (Orlando, Tampa, Jacksonville)
Good carrier competition, with Florida Blue, Ambetter, Oscar, UnitedHealthcare, Wellpoint, and others available in Orange and Hillsborough counties. Premiums are somewhat lower than South Florida. Orlando (Orange County) has strong enrollment numbers.
North Florida and the Panhandle
Fewer carriers than South and Central Florida, though the larger Panhandle cities still have several. Leon County (Tallahassee) and Escambia County (Pensacola) each have Florida Blue, Ambetter, Oscar, UnitedHealthcare, and Wellpoint for 2027, and Tallahassee also has Capital Health Plan. Rural counties have fewer choices and thinner networks, so check that your preferred hospitals and doctors are covered.
The Keys and Southwest Florida
Monroe County (the Keys) has only two carriers for 2027, Florida Blue and Oscar, and some of the highest premiums in the state: the benchmark Silver plan for a 40-year-old is about $1,518 per month before subsidies. Rural Southwest Florida counties can also have limited options.
Estimate your subsidy
Subsidy Estimator
Enter your info below to get a rough estimate of your monthly premium tax credit for a 2027 marketplace plan.
Florida-specific things to know
Open Enrollment dates. Open Enrollment for 2027 runs from November 1, 2026, through January 15, 2027, on HealthCare.gov. Enroll by December 15 for coverage that starts January 1, or between December 16 and January 15 for coverage that starts February 1.
Hurricane season and coverage. If a hurricane or natural disaster prevents you from enrolling during Open Enrollment or your SEP window, you may qualify for an exceptional circumstances extension. Contact the marketplace at 1-800-318-2596 to request one.
Seasonal workers.Florida's tourism and agriculture industries employ many seasonal workers. If your income fluctuates seasonally, estimate your annual total for the marketplace application and update it if things change. You may qualify for Medicaid during low-income months if you have dependent children.
Retirees under 65.Florida has a large population of early retirees who aren't yet eligible for Medicare. If you retired before 65, the marketplace is your main option. Depending on your retirement income, you may qualify for a subsidy. Social Security income, pension distributions, and investment income all count toward your MAGI for subsidy purposes. With the 400% FPL cliff back, managing retirement withdrawals to stay under $63,840 (single) or $86,560 (couple) can be worth a lot.
Resources
- HealthCare.gov for enrollment (Florida uses the federal marketplace)
- Covering Florida for free enrollment assistance from trained navigators
- Dial 2-1-1 for Florida Health and Human Services referrals