Florida health insurance & ACA Marketplace plans
Compare Marketplace coverage available in Florida with a licensed independent agent. We check which plans and carriers are actually offered in your ZIP code, free, and with no obligation to enroll.
- Applications go through HealthCare.gov, the federal Marketplace
- Florida has not expanded Medicaid
- Open Enrollment: November 1, 2026 to January 15, 2027
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- Licensed in 23 states
- No cost for our help
- CMS-certified enrollment platform
- No obligation to enroll
Florida
What to know about coverage in Florida
How enrollment works here
Florida uses the federal Marketplace at HealthCare.gov. That means the standard federal Open Enrollment window applies, and a licensed agent can assist you through a CMS-certified enrollment platform rather than leaving you to navigate the application alone.
Medicaid in Florida
Florida has not expanded Medicaid. This creates what is often called the coverage gap: households below 100% of the Federal Poverty Level may earn too little to qualify for Marketplace premium tax credits, while also not meeting the state's existing Medicaid eligibility rules. If that is your situation, a licensed agent can walk you through the options that do exist rather than leaving you guessing.
What plans cost
Premiums in Florida depend on your rating area, the ages of everyone covered, tobacco use, and which carriers file rates where you live. Because of that, no honest source can quote you a price before checking your ZIP code. What we can tell you is how the savings math works, and then show you real plans inside the secure enrollment platform.
Watch out for subsidy scams
Questions
Florida ACA FAQ
When is Open Enrollment in Florida?
Florida uses the federal Marketplace, so Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Outside that window you need a qualifying life event to enroll. Dates are set by CMS and can change.
Where do I apply for coverage in Florida?
Residents of Florida apply through HealthCare.gov, the federal Marketplace. We can walk you through that process, and where available help you complete it inside a secure CMS-certified enrollment platform.
Does Florida have expanded Medicaid?
Florida has not expanded Medicaid. That creates a coverage gap: adults with income below 100% of the Federal Poverty Level may earn too little for Marketplace premium tax credits but too much for the state's existing Medicaid rules. If that describes your situation, an agent can walk through what options do exist.
Can I be denied coverage in Florida for a pre-existing condition?
No. ACA Marketplace plans cannot deny you, charge you more, or exclude treatment because of a pre-existing condition. Premiums vary by age, location, tobacco use and plan tier, not health status.
What does your help cost?
Nothing. Licensed agents are compensated by the carrier when someone enrolls, and the premium is the same whether you use an agent or enroll on your own.
Other states we serve
Our licensed agent(s) transact insurance only in states where they hold an active license. We do not provide insurance services in states where we are not licensed. This is a solicitation for insurance. Coverage availability, premiums, and benefits vary by state, plan, and individual circumstances. Not all products are available in all areas.
See what is available in Florida
A licensed agent will review verified options for your ZIP code. Free, with no obligation to enroll.
My Health Enrollment is a private insurance agency. We are not affiliated with, endorsed by, or acting on behalf of any government agency, including the Centers for Medicare & Medicaid Services (CMS) or Healthcare.gov.