Short answer: For plan year 2026, Florida has 15 marketplace carriers offering 7,569 plan options across its 67 counties and 67 rating areas. The typical county has 5 carriers to choose from (up to 12), which makes it a competitive market. Full-price premiums for a 40-year-old run from about $282 to $3,051 per month before subsidies, with a median around $780. Most enrollees pay far less after premium tax credits. (Figures from CMS plan year 2026 marketplace data; reviewed July 2026 by Daniel Griffin, NPN #22052447.)
Who Actually Sells Marketplace Plans in Florida
Carrier availability in Florida is decided county by county, not statewide. A carrier with a big statewide reputation may not file plans where you live, and that single fact drives more of your real options than any national comparison chart. Here is how the 15 carriers in Florida actually cover the state's 67 counties for 2026:
| Carrier | Counties served | Share of state |
|---|---|---|
| Florida Blue (BlueCross BlueShield FL) | 67 | 100% |
| Florida Blue HMO (a BlueCross BlueShield FL company) | 64 | 96% |
| Ambetter Health | 63 | 94% |
| Oscar Health Maintenance Organization of Florida | 32 | 48% |
| UnitedHealthcare | 32 | 48% |
| Wellpoint | 24 | 36% |
| AvMed | 22 | 33% |
| Molina Healthcare | 20 | 30% |
Single-carrier counties: 1 of Florida's 67 counties have only one marketplace carrier (Monroe). If you live in one, your plan choice is limited to that carrier's lineup, and network verification matters more than shopping on price alone.
Lowest-Cost Florida Plan in Each Metal Tier (Age 40)
These are the lowest-premium plans available somewhere in Florida at each metal level, with the deductible and out-of-pocket maximum that come with them. Premiums shown are full price before subsidies for a 40-year-old; your actual cost depends on your rating area, age, household, and income.
| Tier | Plan | Carrier | Type | Premium (age 40) | Deductible | OOP max |
|---|---|---|---|---|---|---|
| Catastrophic | Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) | Health First Commercial Plans, Inc. | HMO | $282 | $10,600 | $10,600 |
| Expanded Bronze | Gym Access IND Bronze HMO 1340 | Florida Health Care Plans | HMO | $427 | $10,150 | $10,150 |
| Bronze | Capital Health Plan HMO Bronze 1100 | Capital Health Plan | HMO | $458 | $8,000 | $10,150 |
| Silver | Clarity Silver | Ambetter Health | HMO | $554 | $8,000 | $8,400 |
| Gold | Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | Health First Commercial Plans, Inc. | HMO | $545 | $2,200 | $7,950 |
| Platinum | Capital Health Plan HMO Platinum 4000 | Capital Health Plan | HMO | $900 | $0 | $5,200 |
Reading this table: notice how the premium and the deductible move in opposite directions. A Bronze plan wins on monthly cost and loses badly if you actually use care. The right tier depends on your expected utilization and, critically, whether your income qualifies you for cost-sharing reductions — which only attach to Silver plans.
What Age Does to a Florida Premium
The ACA lets insurers charge a 64-year-old up to three times what they charge a 21-year-old for the same plan. That age curve, not your health, is the biggest driver of your sticker price. Using Florida's lowest-cost Silver plan as the reference point:
| Age | Full-price monthly premium |
|---|---|
| Age 21 | $434 |
| Age 27 | $454 |
| Age 30 | $492 |
| Age 40 | $554 |
| Age 50 | $775 |
| Age 60 | $1,177 |
This is exactly why subsidies matter more as you get older: the same income at 60 buys a much larger premium tax credit than at 30, because the credit is calculated against the benchmark plan's cost in your area.
Plan Types and Metal Levels Available in Florida
Plan types: HMO (5,109 plans), PPO (938 plans), EPO (877 plans), POS (645 plans). Plan type governs out-of-network access — HMO and EPO plans typically cover out-of-network care only in an emergency, while PPO and POS designs cover it at higher cost sharing. If keeping a specific hospital or specialist matters to you, that decision comes before price.
Metal levels: Silver (2,710), Expanded Bronze (2,199), Gold (1,716), Platinum (623), Bronze (292), Catastrophic (29). Not every tier is offered in every county, so the mix above is statewide availability rather than a guarantee for your ZIP code.
Before enrolling in any Florida plan, confirm your hospital and physicians participate in that specific plan's network — not just the carrier's. See how to verify a hospital is in-network.
Subsidies Change These Numbers Completely
Every premium on this page is the unsubsidized sticker price. Premium tax credits are based on household income relative to the federal poverty level and on the benchmark Silver plan in your rating area — which is why two people with identical income in different Florida counties can receive different credits. If your income falls in the subsidy range, your net premium can be a small fraction of the figures above. If you're self-employed, the calculation runs on your net income after business deductions, which is the single most common place people misestimate and overpay. See how ACA subsidies work and the subsidy estimator.
I'm licensed in Florida, and running these numbers against your income, your ZIP code's rating area, and the doctors you actually use is free — carriers pay the commission and your premium is identical with or without an advisor.
Frequently Asked Questions
How many health insurance companies offer marketplace plans in Florida?
For plan year 2026, 15 carriers offer ACA marketplace plans somewhere in Florida, across 7,569 total plan options in 67 counties. Availability is local, not statewide: the typical county has 5 carrier(s) available and the most competitive has 12. The broadest carrier is Florida Blue (BlueCross BlueShield FL), available in 67 of 67 counties.
How much does health insurance cost per month in Florida in 2026?
Before subsidies, monthly premiums for a 40-year-old in Florida range from roughly $282 to $3,051, with a median near $780, based on CMS plan year 2026 marketplace data. The lowest-cost Silver option starts around $554 at age 40. Premium tax credits are income-based and frequently reduce the net cost dramatically, so the sticker price is rarely what a subsidized enrollee actually pays.
What is the cheapest health insurance plan in Florida?
The lowest-premium plan in Florida for a 40-year-old is Gym Access IND Bronze HMO 1340 at about $427 per month, but cheapest premium is rarely cheapest overall. Bronze plans carry the highest deductibles, and if your income qualifies you for cost-sharing reductions, a Silver plan usually delivers far better value than Bronze despite the higher premium.
Do Florida marketplace plans cover pre-existing conditions?
Yes. Every ACA marketplace plan in Florida must cover pre-existing conditions with no waiting period and no health underwriting, and must include the ten essential health benefits. Carriers cannot deny you or charge more because of health history. Premiums vary only by age, ZIP code rating area, household size, and tobacco use.
What plan types are available in Florida?
Florida's 2026 marketplace includes HMO (5,109 plans), PPO (938 plans), EPO (877 plans), POS (645 plans). Plan type determines out-of-network access: HMO and EPO plans generally cover out-of-network care only in emergencies, while PPO and POS plans cover it at higher cost sharing. If you need a specific hospital or specialist, verify the network before enrolling rather than choosing on premium alone.
When can I enroll in a Florida marketplace plan?
Open Enrollment runs November 1 through January 15. Outside that window you need a qualifying life event — losing coverage, moving, marriage, a new baby, or certain income changes — which opens a 60-day Special Enrollment Period. Medicaid enrollment is year-round for those who qualify.