Florida has the highest number of ACA marketplace enrollees in the nation, with over 4.5 million Floridians relying on HealthCare.gov for their health coverage.
The Inflation Reduction Act extended enhanced premium tax credits, capping marketplace premiums at 8.5% of household income. A licensed Florida health insurance agent can help you determine your exact subsidy eligibility.
The Florida marketplace includes Florida Blue, Ambetter from Sunshine Health, Molina Healthcare, Aetna CVS Health, Oscar Health, UnitedHealthcare, and Cigna. Plan availability varies by county.
Outside of Open Enrollment, you can qualify for a Special Enrollment Period if you lose employer coverage, get married, have a baby, move to a new county, or experience other qualifying life events.
With premium tax credits, many Floridians pay $0 to $50 per month for Silver plans. Without subsidies, Bronze plans start around $300/month.
Premium tax credits are available for households earning between 100% and 400% of the Federal Poverty Level.
Yes. The ACA prohibits insurance companies from denying coverage or charging more based on pre-existing conditions.
Open Enrollment for 2026 coverage runs November 1, 2025 through January 15, 2026. Coverage starting January 1 requires enrollment by December 15, 2025.
Moving to a new county triggers a Special Enrollment Period. You can switch to a plan available in your new county.
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