If you are searching for an Aetna versus Oscar comparison for 2026, there is an important fact to know first: Aetna / CVS Health exited the individual ACA marketplace nationwide — including Florida — at the end of 2025, affecting roughly one million members across 17 states. The company cited continued underperformance and recorded a $448 million premium deficiency reserve on its exchange business. So for the 2026 plan year, you cannot buy an Aetna individual marketplace plan in Florida.
Aetna is still very much active in Florida for employer/group health insurance and Medicare Advantage, so the realistic 2026 comparison is usually an Aetna employer plan versus a Oscar individual marketplace plan — or, if your Aetna ACA plan ended, how Oscar stacks up as a replacement. Oscar Health, built specifically for the ACA marketplace in 2012, posts one of Florida's lowest 2026 increases at 26.4% but sells only in select metro counties. This guide covers both.
Aetna left the individual marketplace for 2026. A licensed Florida agent can compare Oscar and the other 2026 carriers in your ZIP — and check your doctors — at no cost to you.
A licensed Florida agent will reach out shortly with your 2026 Oscar and marketplace options.
Aetna / CVS Health exited the individual ACA exchanges: At the end of 2025 CVS Health withdrew Aetna from the individual ACA marketplace in all 17 states where it operated, including Florida, ending coverage for about one million members. CVS leadership cited continued underperformance of the exchange book and booked a $448 million premium deficiency reserve. Aetna had also briefly left the exchanges in 2017–2018 before returning in 2021.
Aetna still sells employer and Medicare coverage in Florida: The exit applies only to individual/family ACA plans. Aetna remains a major Florida carrier for employer/group health insurance and Medicare Advantage, which is why many Floridians still hold an Aetna card — just through work or Medicare, not the marketplace.
$0 telehealth and a leading app: Oscar offers $0 virtual visits 24/7 through its app for many common conditions — a standout for Bronze and high-deductible enrollees who would otherwise pay full price for office visits before meeting the deductible. Its app is consistently among the highest-rated in health insurance.
Dedicated Care Teams: Instead of a rotating call center, Oscar assigns each member a small Care Team of guides and a nurse who handle every interaction, creating continuity that traditional carriers rarely match.
Competitive metro pricing: In the counties where Oscar competes — primarily South Florida, Central Florida, and the Tampa Bay region — its Silver HMO plans are often among the lowest-cost, and its 26.4% approved increase for 2026 is one of the gentlest among Florida carriers.
For most people the real 2026 decision is whether to keep an Aetna plan offered through an employer or buy a Oscar plan on the marketplace. The pivot point is the subsidy: if your employer's Aetna coverage is deemed affordable under ACA rules, you generally cannot get a marketplace subsidy, which usually makes the employer plan cheaper. If you lack affordable employer coverage, a subsidized Oscar marketplace plan may win on cost.
Oscar's Florida networks are curated rather than comprehensive — selected hospitals and physician groups in the metros it serves, HMO-only, with no out-of-network coverage except emergencies. Because Oscar is not statewide, your first check is simply whether it is sold in your county at all.
Aetna no longer publishes individual marketplace premiums in Florida, so the figures below show approximate 2026 unsubsidized Silver premiums for Oscar. Most enrollees pay far less after subsidies.
| County (35-yr-old, non-smoker, Silver) | Oscar |
|---|---|
| Miami-Dade County | ~$480/mo |
| Orange (Orlando) County | ~$450/mo |
| Hillsborough (Tampa) County | ~$440/mo |
Approximate 2026 unsubsidized premiums for a 35-year-old non-smoker, before APTC subsidies. As a reference point, Florida regulators reported a 28-year-old in Duval County on a Silver plan going from about $149 to roughly $281 per month for 2026 after subsidy changes. Your actual cost depends on the benchmark Silver plan in your rating area.
Is Aetna available on the Florida ACA marketplace for 2026?
No. Aetna / CVS Health exited the individual ACA exchange business nationwide for 2026, affecting roughly one million members across 17 states including Florida. Aetna individual/family marketplace plans ended after December 31, 2025. Aetna still sells employer/group coverage and Medicare Advantage in Florida, but you cannot buy an Aetna individual marketplace plan for 2026.
I have Aetna through my employer — should I switch to a Oscar marketplace plan?
It depends on cost and eligibility. If your employer's Aetna plan is considered affordable under ACA rules, you generally will not qualify for a marketplace subsidy, which usually makes the employer plan the better deal. If you do not have access to affordable employer coverage, a Oscar marketplace plan with a subsidy may cost less. Compare your share of the Aetna employer premium against the subsidized Oscar premium for your ZIP code.
Does Oscar really offer free telehealth in Florida?
Yes. Oscar Health offers $0 telehealth visits with Oscar-affiliated providers, available 24/7 through its app for many common conditions, prescriptions, and mental-health consultations. It is one of Oscar's signature benefits and is especially valuable on Bronze or high-deductible plans where in-person visits cost full price until the deductible is met.
My Aetna ACA plan ended — is Oscar a good replacement in Florida?
It can be, if Oscar is sold in your county and your doctors are in its network. Oscar Health is available in select Florida counties only — primarily South Florida, Central Florida, and the Tampa Bay region. It is not statewide, and it offers HMO plans exclusively. Always confirm with your ZIP code on HealthCare.gov whether Oscar is sold in your county. Losing your Aetna plan because the carrier left the market is a qualifying life event, so you may have a Special Enrollment Period to pick a 2026 plan. Compare Oscar against the other carriers in your county on network and net premium before enrolling.
A licensed Florida health insurance agent can compare your 2026 options county by county and check whether your providers are in-network — at no cost to you.
Compare Plans in Your CountyRelated reading: Florida ACA Guide Hub | Oscar vs. Florida Blue | 2026 Open Enrollment Guide | SunState Coverage