ACA Marketplace Health Insurance in Florida
Florida residents shop for marketplace health insurance through Healthcare.gov. Florida has one of the largest ACA enrollment populations in the country — over 4 million Floridians enrolled in marketplace plans in 2024. That scale means carriers compete aggressively in most counties, which often translates to more plan options and competitive premiums.
Whether you live in Miami, Tampa, Orlando, Jacksonville, or a rural county like Gilchrist or Liberty, an independent broker can pull every plan available in your specific ZIP code at no cost. Call (713) 575-9904 or use the form below.
ACA Carriers Available in Florida (2026)
Florida has strong carrier competition in most counties. Major carriers participating in the Florida ACA marketplace include:
- Florida Blue (BCBS of Florida) — The largest carrier in the state, available in all 67 counties. Offers HMO and PPO options with broad networks.
- Ambetter (Sunshine Health) — Competitively priced Silver plans, available in many Florida counties. Strong for subsidy-eligible buyers.
- Molina Healthcare — Focused on lower-income and Medicaid-adjacent populations. Available in select counties.
- Oscar Health — Tech-forward carrier with strong telehealth features. Available in several major Florida metro areas.
- Cigna — Available in select Florida markets with PPO-style plans.
Specific carrier availability varies by county and ZIP code. An independent broker can confirm which carriers serve your address.
Florida-Specific Subsidy Notes
Florida did not expand Medicaid, which creates a coverage gap for residents earning below 100% FPL (~$15,650 for a single adult). Residents above that threshold are eligible for premium tax credits on the marketplace. Enhanced credits under the Inflation Reduction Act remain in effect for 2026 — residents earning above 400% FPL may still receive subsidies if their benchmark plan premium exceeds a certain percentage of income.
Silver plan cost-sharing reductions (CSRs) are available for residents earning 100%–250% FPL and are automatically applied when you select a Silver plan. CSRs can dramatically lower deductibles and out-of-pocket maximums — a Silver plan at 150% FPL may have a $0 deductible in some counties.
Self-Employed in Florida?
Self-employed Floridians — freelancers, contractors, LLC owners, S-corp owners, and 1099 workers — can deduct 100% of health insurance premiums on Schedule 1 of Form 1040. This above-the-line deduction reduces adjusted gross income, lowering both your tax bill and potentially improving subsidy eligibility. See our guides for LLC owners, sole proprietors, S-corp owners, partnership owners, and independent contractors.