Short answer: private health insurance in Florida comes in two forms. The marketplace plans are themselves sold by private companies: fifteen insurers file plans on HealthCare.gov for 2026, led by Florida Blue in all 67 counties. They come with tax credits and no health questions. Medically underwritten plans are the other form: they ask about your health, can decline you and get no credit, but a healthy buyer can often pay less, and one can start in any month. (Reviewed by Daniel Griffin, licensed independent advisor, NPN #22052447.)
Who Sells Marketplace Plans in Florida
| Insurer (2026) | Counties where it sells |
|---|---|
| Florida Blue | All 67 |
| Ambetter Health | 63 of 67 |
| Oscar | 32 of 67 |
| UnitedHealthcare | 32 of 67 |
| Wellpoint | 24 of 67 |
| AvMed | 22 of 67 |
| Molina Healthcare | 20 of 67 |
| Cigna Healthcare | 11 of 67 |
| Capital Health Plan | 9 of 67 |
| AmeriHealth Caritas Next | 7 of 67 |
| Florida Health Care Plans | 5 of 67 |
| Health First Commercial Plans | 5 of 67 |
| 22 Health | 1 of 67 |
From the CMS Plan Year 2026 landscape file. In 1 of Florida’s 67 counties a single insurer sells every marketplace plan, so there is no price competition there at all. Insurers filing under more than one company name are counted once here.
What Florida Plans Cost Before a Tax Credit
The average benchmark Silver premium for a 40-year-old in Florida was $683 a month in 2026, before any tax credit (KFF). County by county, that benchmark ran from $572 in Brevard County to $1,278 in Monroe County. The cheapest Silver plan anywhere in Florida cost $454 at age 27, $554 at 40 and $1,177 at 60; the priciest Silver plan for a 40-year-old cost $2,203.
Who Should Look Beyond the Florida Marketplace
For 2027 coverage the tax credit stops at $63,840 for one person and $132,000 for a family of four. At Florida’s 2026 benchmark, a single 40-year-old just over that line pays $8,196 a year, about 13% of income, before the 2027 increase. That is where a healthy household can save with a medically underwritten plan, which is priced on health, not income. It is not ACA coverage: it can decline you and usually excludes pre-existing conditions and maternity care. Leaving a job? See COBRA alternatives.
Networks: What to Check in Florida
PPO plans are sold on Florida’s marketplace in all 67 counties for 2026, alongside EPO, HMO and POS plans. A PPO pays something out of network, usually at a higher cost to you; the others generally do not.
Healthy, in Florida, and paying full price?
Send your ZIP code. A licensed agent checks your tax credit first, then compares your best marketplace plan with the private options for your county.
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2027 in Florida
Florida’s approved 2027 rates are an average 10.4% higher than 2026 (enrollment-weighted, reported Oct 19, 2026). Cigna leaves Florida’s marketplace after 2026; anyone on its plans needs a new one for January. Open Enrollment on HealthCare.gov runs November 1, 2026 to January 15, 2027; choose by December 15 for coverage that starts January 1. Medically underwritten plans are not tied to that calendar. health insurance in Florida · self-employed in Florida · Florida plans compared.
Checking an Agent or a Plan in Florida
The Florida Department of Financial Services licenses agents and insurers in Florida: look up anyone selling you a plan, and get the insurer’s name and the list of what is not covered before you pay.
Common Questions
What is private health insurance in Florida?
Two things. 15 private insurers sell Florida marketplace plans on HealthCare.gov for 2026, with tax credits and no health questions; Florida Blue sells in every county. Medically underwritten plans ask health questions, can decline you, get no tax credit and can start in any month.
Who should buy a medically underwritten plan in Florida?
A healthy household that gets little or no tax credit: for 2027 coverage there is none above $63,840 for one person or $132,000 for a family of four. Anyone with a real health history, or planning a pregnancy, is usually better protected on the marketplace.
Are there PPO plans on the Florida marketplace?
Yes. PPO plans are sold in all 67 Florida counties for 2026.
Which insurers are leaving Florida’s marketplace for 2027?
Cigna leaves Florida’s marketplace after 2026; anyone on its plans needs a new one for January.
Sources
- KFF benchmark premiums, Florida, 2026.
- CMS plan landscape file, Florida, 2026.
- Florida 2027 rates and exits (Plans By State, from regulators and ACASignups.net).
- HealthCare.gov: tax credit income limits.
- Florida Department of Financial Services.
Full-price filed rates before tax credits, not quotes. Underwritten plans are not sold in every state and acceptance depends on health history.