Florida runs the largest ACA marketplace in the country — about 4.5 million enrollees for 2026. These guides cover eligibility, costs, subsidies, carrier comparisons, and enrollment for individuals and families across all 67 counties.
No state relies on the ACA marketplace the way Florida does. Roughly 4.5 million Floridians selected a marketplace plan for 2026 — nearly one in five marketplace enrollees nationwide — making Florida the highest-enrollment state on HealthCare.gov by a wide margin. That dominance comes from the state's economy: Florida has no state Medicaid expansion, a huge base of self-employed workers, hospitality and tourism jobs that rarely come with group benefits, and a steady flow of early retirees too young for Medicare. For millions of households here, the marketplace isn't a fallback — it's the primary way to get covered.
The 2026 plan year also brought the biggest pricing shift since the marketplace opened. The enhanced premium tax credits that held costs down from 2021 through 2025 expired at the end of 2025, and subsidies are again capped at 400% of the federal poverty level. Nationally, the average premium people actually pay after tax credits jumped about 58% — from $113 to $178 a month — and Florida felt it directly: enrollment fell by roughly 202,000 from 2025's 4.7 million peak. Most Floridians still qualify for substantial subsidies, but the gap between a well-chosen plan and a poorly chosen one is now hundreds of dollars a month, which makes comparing plans carefully more important than it has been in years.
The carrier landscape shifted too. Sixteen insurers are offering Florida marketplace coverage for 2026 — but Aetna exited the individual market at the end of 2025, and availability still varies sharply by county. Florida Blue sells statewide, while carriers like Oscar, Ambetter, Molina, and AvMed compete county by county with very different networks and pricing. The right answer in Miami-Dade is often the wrong answer in Duval.
This section holds 232 guides covering the full Florida ACA landscape: who qualifies and when you can enroll, what plans actually cost at different income levels, head-to-head carrier comparisons, and coverage playbooks for the occupations that depend on the marketplace most — nurses, 1099 contractors, gig drivers, theme park workers, and more. For broader Florida coverage topics like open enrollment news and subsidy tools, sunstatecoverage.com is a related Florida health-coverage resource worth bookmarking. Start with the basics below, or jump straight to the comparison that matches your situation.
New to the Florida marketplace? These guides cover eligibility, deadlines, costs, and your first plan comparison.
The big-picture overview: how the Florida marketplace works, what's changed for 2026, and how to choose between plan types.
Read guide →Who qualifies for marketplace coverage in Florida — residency, income, and immigration requirements, plus the coverage gap created by non-expansion.
Read guide →Key dates and deadlines for the Florida open enrollment window, plus the qualifying life events that unlock a special enrollment period mid-year.
Read guide →Average Florida premiums by metal tier and age, what drove 2026 increases, and how subsidies change the number you actually pay.
Read guide →Side-by-side look at Florida's 2026 marketplace plans — networks, deductibles, and pricing across the carriers competing this year.
Read guide →Florida's most-searched carrier matchup: Oscar's virtual-first plans against Florida Blue's statewide network. Who wins on price vs. access.
Read guide →Marketplace rules for green card holders, work-visa holders, and other lawfully present immigrants in Florida — including the five-year Medicaid bar.
Read guide →Who can buy a catastrophic plan (under-30s and hardship exemptions), what it covers, and when a subsidized Bronze plan beats it anyway.
Read guide →Comparing ACA plans in Florida
With enhanced tax credits expired, getting the subsidy math right matters more in 2026 than ever. These guides show what you'll actually pay.
ACG Insurance Group is a licensed independent health insurance broker serving individuals and families across Florida. They hold appointments with Florida Blue, Oscar, Ambetter, UnitedHealth, Cigna, and others — and comparing plans through a broker costs you nothing extra. No advisory fees.
Sixteen insurers are selling Florida marketplace plans for 2026 — but networks, drug formularies, and county footprints differ sharply. Head-to-head breakdowns:
Florida's marketplace-heavy workforce has job-specific coverage questions. Guides written for how you actually earn:
How to count fluctuating self-employment income for subsidies, the premium deduction, and timing enrollment around a 1099 income year.
Read guide →Marketplace coverage for gig drivers: estimating income net of mileage deductions, and why most Florida drivers qualify for bigger subsidies than they expect.
Read guide →Coverage between contracts, agency plans vs. marketplace plans, and keeping continuous coverage when a travel assignment crosses state lines.
Read guide →Health insurance for Orlando and Tampa attraction staff — part-time and seasonal eligibility rules, employer plan thresholds, and marketplace alternatives.
Read guide →Commission income and the subsidy estimate: how Florida agents handle feast-or-famine years, association plans, and marketplace coverage that travels with you.
Read guide →Bridging the gap to Medicare in Florida: managing withdrawals and capital gains to protect your subsidy, plus COBRA vs. marketplace math.
Read guide →Tell us a little about your household and a licensed Florida advisor will pull real 2026 marketplace quotes — premiums, subsidies, and networks compared side by side. It's free, and there's no obligation to enroll.