Health insurance · Florida
ACA Marketplace Health Insurance in Florida
Florida has not expanded Medicaid: marketplace subsidies begin at $15,960 for one person in 2026, and below that there is no subsidy.
- Under 65
- healthcare.gov
- Financial assistance for those who qualify
Marketplace coverage in Florida
Florida has not expanded Medicaid, so a Florida adult earning less than $15,960 a year in 2026 — the federal poverty level for one person — who does not fit a traditional Medicaid category gets neither Medicaid nor a marketplace subsidy. With 21.8% of its residents aged 65 and over — the fourth-highest share in the country in 2024 — Florida also has a large population approaching 65 who need to know that the premium tax credit, which begins at $15,960, ends the month Medicare starts. Florida’s plans are sold on healthcare.gov.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office — not a call center, not a robot.
Where Florida residents buy marketplace coverage
Every plan sold on the marketplace covers the ten essential health benefits, none can decline you or charge more for a pre-existing condition, and the premium tax credit is applied through the same application.
healthcare.gov
Florida marketplace plans are sold through healthcare.gov. Florida has no state-run exchange; the federal marketplace handles enrollment and the premium tax credit. A licensed agent can enroll you there at no extra cost — the carrier pays us; your premium does not change. See how ACA marketplace plans work.
Medicaid expansion in Florida
Florida has not expanded Medicaid. Adult Medicaid here covers specific groups only — children, pregnant women, some parents with very low income, people with disabilities and older adults. Marketplace premium tax credits begin at 100% of the federal poverty level, which in 2026 is $15,960 for one person, $21,640 for two, $27,320 for three and $33,000 for four. An adult in Florida who earns less than that and does not fit a Medicaid category is in the coverage gap: no Medicaid and no marketplace subsidy. If that is your situation, say so on the call — the honest answer is not a quote for a plan you cannot afford. Expansion status per KFF’s Medicaid expansion tracker (as of August 2026) and medicaid.gov; income lines from the 2026 HHS poverty guidelines.
What you would actually pay, and when you can enroll
The sticker price is not what most people pay
Premium tax credits are based on your household income and household size, and they are applied directly to your monthly premium rather than paid back at tax time. We check what you qualify for before you pick a plan, so you are comparing what you would actually pay each month, and we tell you if a plan’s deductible or network makes the cheapest premium a poor choice.
Open enrollment in Florida
Open Enrollment is the annual window when anyone can sign up for a marketplace plan or change the one they have. It generally runs from November into January. Florida uses the federal marketplace, so its window follows the healthcare.gov schedule. Outside that window you need a qualifying life event — losing job coverage, moving, marriage, or a new child — to enroll. Dates are set each plan year; a licensed agent will confirm the current ones on the call.
Turning 65 in Florida?
If you are turning 65, or already have Medicare, a marketplace plan is usually the wrong product: once Part A and Part B begin, the premium tax credit ends and Medicare becomes primary. The natural next step is a Medicare Advantage plan for your county.
Florida insurance regulation
Florida Department of Financial Services, Division of Consumer Services
Marketplace plans sold in Florida are regulated by the Florida Department of Financial Services, Division of Consumer Services, which approves the plans and rates carriers may offer, licenses the agents who sell them and handles consumer complaints.
Common questions in Florida
I earn less than the poverty level in Florida. Can I get help?
Below $15,960 for one person or $21,640 for two in 2026, healthcare.gov offers no premium tax credit, and because Florida did not expand Medicaid, adult Medicaid covers only specific groups. That is Florida’s coverage gap. If you are a low-income parent, pregnant, disabled or 65 and over, Florida Medicaid may still apply; otherwise ask the agent what exists rather than accepting a quote you cannot pay.
Where do Florida residents buy ACA coverage?
Through healthcare.gov, the federal marketplace; Florida does not run its own exchange. The application checks whether your income is above Florida’s $15,960 subsidy line for one person and calculates the premium tax credit. A licensed agent can enroll you at no extra cost.
I retired to Florida before 65. What will a marketplace plan cost me?
The premium after your tax credit, which is set by household income and size. Many early retirees in Florida qualify for a larger credit than they expect once earned income stops, provided household income stays above the $15,960 (one person) or $21,640 (two) subsidy floor. We calculate it before comparing plans.
I am turning 65 in Florida. What changes?
Your premium tax credit ends when Medicare Part A and Part B begin, and Medicare becomes primary. Florida’s SHINE program (Serving Health Insurance Needs of Elders), run by the Department of Elder Affairs at 1-800-963-5337, offers free Medicare counseling, and our agents compare the Medicare Advantage plans filed for your Florida county.
Prefer we call you? Here is what happens next.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office.
A licensed agent calls you back
During business hours: Monday to Friday 9 to 7, Saturday 9 to 5, Mountain Time.
We focus on what you actually need
Tell us whether you need help with Final Expense insurance, Medicare or another health coverage question. Your agent reviews the options that apply to your situation.
You decide what fits
We explain the important differences and next steps. If an option makes sense, we can help you move forward. There is no fee for speaking with us.
Sources
- healthcare.gov — the marketplace for Florida
- medicaid.gov — Adult Coverage Expansion map and the May 2026 Medicaid & CHIP enrollment highlights (expansion status)
- Florida Department of Financial Services, Division of Consumer Services — state insurance regulator
- Wikimedia Commons — state outline (CC0)
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Last updated: September 2026