Find Health Insurance Plans in Florida

The Affordable Care Act (ACA), sometimes called "Obamacare," created the Health Insurance Marketplace — a service that helps people shop for and enroll in health insurance. Marketplace plans must cover a set of essential health benefits including emergency services, prescription drugs, preventive care, and mental health treatment.

In Florida, you shop for ACA plans at HealthCare.gov or through a licensed agent. Florida has not established its own state exchange.

No. You can enroll directly through HealthCare.gov without using an agent. However, licensed Florida agents are free to use — they are paid by the insurance carrier, not by you — and can help you compare plans, apply for subsidies, and navigate the enrollment process at no additional cost.

For 2026, ACA Premium Tax Credits are available to Florida residents earning at or above 100% of the Federal Poverty Level (approximately $15,960 for a single person). There is no strict upper income cap — anyone paying more than 8.5% of their household income on the benchmark Silver plan may qualify for some subsidy amount. Use the calculator above to estimate your eligibility.

Compare plans at HealthCare.gov by entering your Florida zip code. Beyond the monthly premium, evaluate the deductible, copays, and out-of-pocket maximum. Check whether your current doctors and medications are covered under each plan's network before enrolling. Silver plans often provide the best overall value for subsidy-eligible residents, particularly Enhanced Silver plans for those at 100–250% FPL.

Your deductible is the amount you pay for covered services before your insurance starts paying. For example, with a $3,000 deductible, you pay the first $3,000 of medical costs each year.

Your out-of-pocket maximum is the most you'll pay in a year for covered services. Once you hit this limit, your insurance covers 100% of covered costs for the rest of the year. For 2026, the out-of-pocket maximum for ACA plans is $9,200 for an individual and $18,400 for a family.

Yes, but only if you qualify for a Special Enrollment Period (SEP). SEPs are triggered by qualifying life events such as losing other health coverage, getting married, having a baby, moving to a new area, or turning 26 and aging off a parent's plan.

You typically have 60 days from the qualifying event to enroll in or change a plan. Documentation of the qualifying event is required.

An HMO (Health Maintenance Organization) requires you to use a specific network of doctors and hospitals. You'll need to choose a primary care physician (PCP) who coordinates your care and provides referrals to specialists. HMOs generally have lower premiums.

A PPO (Preferred Provider Organization) gives you more flexibility — you can see any doctor without a referral, including out-of-network providers (at higher cost). PPOs typically have higher premiums but more freedom of choice. In Florida, most ACA plans are HMO-style networks.

No. Florida is one of the states that has not adopted the ACA's Medicaid expansion. This means adults without children generally must have an income of at least 100% of the Federal Poverty Level to qualify for Marketplace subsidies, and very-low-income adults who don't qualify for traditional Medicaid may fall into a coverage gap.

Florida's Medicaid program (Medicaid/CHIP) is available for children, pregnant women, people with disabilities, and very-low-income parents who meet specific criteria.

When applying for coverage, you may need the following documents or information:

For all applicants: Social Security numbers, birth dates, and immigration status (if applicable) for all household members.
For income verification: Pay stubs, W-2s, or tax returns from the most recent year. If self-employed, profit/loss statements.
If losing other coverage: Proof of coverage loss (letter from employer or plan).
For SEP events: Documentation of the qualifying event (marriage certificate, birth certificate, etc.).

At the federal level, there is no longer a penalty for being uninsured — the federal individual mandate penalty was reduced to $0 starting in 2019. Florida does not have a state-level penalty either.

However, going without insurance means you're responsible for 100% of your medical costs. Even a short hospital stay can cost tens of thousands of dollars without coverage, so having insurance is strongly recommended even when not legally required.