Find Health Insurance Plans in Florida

Florida has over 4.5 million ACA marketplace enrollees. Ask a question and we'll point you to the right guide — or jump straight to plans and pricing.

No confident match — browse all guides instead.

This search surfaces our written guides. It doesn't replace advice from a licensed insurance producer.

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100+ Plans available in FL
$0/mo Plans some Floridians qualify for

When Can You Enroll in Florida Health Insurance?

Florida residents enroll through the federal marketplace at HealthCare.gov. Missing key deadlines can mean waiting months for coverage.

November 1, 2026

Open Enrollment Begins

The ACA Marketplace opens for new enrollments and plan changes for the 2027 coverage year.

December 15, 2026

Deadline for Jan 1 Coverage

Enroll by December 15 to have your plan start on January 1, 2027. The most-used deadline.

January 15, 2027

Open Enrollment Ends

The final day of Open Enrollment. Enroll by this date for February 1, 2027 coverage. After this date, a qualifying life event is required.

What is a Qualifying Life Event? →
Year-Round

Special Enrollment Periods

Lost coverage? Changed jobs? Moved? Had a baby? Turned 26? Qualifying life events open a 60-day Special Enrollment Period regardless of time of year.

Turning 26 and losing a parent's plan? →

Health Insurance Carriers in Florida

Availability often varies by county.

Florida Blue

Florida's largest health insurer, offering the broadest statewide network coverage with Blue Cross Blue Shield plans across all 67 counties.

UnitedHealthcare

One of the nation's largest insurers, offering a wide network and diverse plan tiers including HMO and PPO options in select Florida markets.

Ambetter

A Centene company offering competitive low-premium Marketplace plans with a focus on preventive care and managed care networks.

AvMed

A Florida-based nonprofit HMO with strong regional networks across Central and North Florida.

Molina Healthcare

Offers affordable Marketplace and Medicaid plans designed for low-to-moderate income individuals and families in select Florida counties.

Oscar Health

A tech-driven health insurer known for a modern member app, virtual primary care, and concierge support in major Florida metros.

Aetna CVS Health

Combines Aetna's insurance network with CVS MinuteClinic access, offering strong plan options in South Florida and the Tampa Bay area.

Cigna Healthcare

Offers Marketplace plans with access to a broad provider network and wellness programs in select Florida counties.

Florida Health Insurance by County

ACA plan availability, carrier options, and costs vary by county. Select your county for local plan data, carrier listings, and subsidy estimates specific to where you live.

No counties match that search.

56 of Florida's 67 counties have a dedicated page live today, covering the large majority of the state's population. More are added regularly.

Estimate Your Monthly Savings

Find out if you qualify for Advanced Premium Tax Credits (APTC) that lower your monthly premium.

Before taxes, all household members combined
Enter your household size and income to see your estimated subsidy.
Estimates are based on 2026 federal poverty levels and are for informational purposes only. Actual subsidy amounts depend on the specific plan you choose, your exact income, and other factors. Consult a licensed agent for accurate figures.

Ready to Compare Real Plans?

See actual ACA plans available in your area, get a subsidy estimate, and enroll with a licensed Florida insurance agent — at no cost to you.

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