Individual health coverage · Florida · 2026
Health coverage options in Florida —
ACA plans, Health Shares, DPC, and more.
Florida uses the federal HealthCare.gov exchange for ACA enrollment. The 2026 benchmark premium for a 40-year-old is $683/month. Florida has not expanded Medicaid, creating a coverage gap for residents below 100% FPL. This page covers what each coverage type costs in Florida, who qualifies for subsidies, and where the real trade-offs are.
ACA plans in Florida
What ACA plans cost in Florida in 2026
Florida uses the federal exchange at HealthCare.gov — there is no state-run marketplace. For 2026, multiple insurers participate in the Florida marketplace through the federal HealthCare.gov exchange. Check healthcare.gov for current carrier availability in your county.
The 2026 benchmark silver premium for a 40-year-old in Florida is $683/month. For households below the 400% FPL subsidy cliff ($62,600 for a single adult), subsidies can significantly reduce this cost. Above the cliff, you pay the full amount.
| Annual income | % of FPL (single) | Full benchmark | Estimated subsidy | Your est. monthly cost |
|---|---|---|---|---|
| $20,000 | 128% FPL | $683/mo | ~$628/mo | ~$33/mo |
| $30,000 | 192% FPL | $683/mo | ~$511/mo | ~$150/mo |
| $40,000 | 256% FPL | $683/mo | ~$395/mo | ~$266/mo |
| $50,000 | 320% FPL | $683/mo | ~$286/mo | ~$375/mo |
| $62,600 | 400% FPL | $683/mo | ~$141/mo | ~$520/mo |
| $63,000+ | Above cliff | $683/mo | $0 | $683/mo |
Estimates for a single adult, age 40. Subsidy calculated using IRS Rev. Proc. 2025-25 applicable percentage table and 2025 HHS poverty guidelines. Actual subsidy depends on exact income, household size, and county. Source: KFF.org · IRS Rev. Proc. 2025-25. Use the comparison tool for your specific ZIP, age, and income.
Florida does not have Medicaid expansion
Florida has not expanded Medicaid. Working-age adults without children generally do not qualify for Florida Medicaid regardless of income. This creates a coverage gap for individuals below 100% FPL ($15,650/yr for a single adult). Florida, Texas, and Georgia account for the largest share of the national coverage gap.
Florida ACA marketplace — key 2026 facts
Florida enrolls through HealthCare.gov only — no state exchange. 16 insurers for 2026 (Aetna exited; Harbor Health joined). HMO and EPO plans only — no PPO available on-exchange. Open enrollment: November 1 – January 15. Coverage begins January 1 for plans selected by December 15, February 1 for plans selected December 16–January 15. Source: healthinsurance.org Florida marketplace.
2026 Florida benchmark — key numbers
Benchmark premium — age 40, Florida
$683/mo
Premium increase vs 2025
+30%+
Subsidy cliff — single adult
$62,600/yr
No-subsidy-zone below 100% FPL
$15,650/yr
No Medicaid expansion — coverage gap below 100% FPL. Source: KFF.org 2026
Subsidy cliff — Florida
A single adult earning $62,500 receives a subsidy — at $63,000 the subsidy drops to $0 and the full $683/mo benchmark applies. This sharp cliff is why residents above the threshold explore Health Shares and other alternatives. Use the comparison tool to see your numbers.
Alternatives to ACA plans in Florida
How Health Shares, DPC, and STM compare in Florida
| Coverage type | Typical monthly cost | What it covers | Key limitation | Enrollment |
|---|---|---|---|---|
| ACA plan (unsubsidized) | $683/mo (age 40) | Full ACA coverage — pre-existing, mental health, maternity | No PPO on-exchange · HMO/EPO only · high deductibles | Nov 1–Jan 15 |
| Health Share | $150–$350/mo est. | Major medical after Annual Unshared Amount | Not insurance · pre-existing often excluded · voluntary sharing | Year-round |
| DPC + Health Share | $230–$480/mo est. | Unlimited primary care (DPC) + major medical (Health Share) | Pre-existing often excluded · not regulated as insurance | Year-round |
| Direct primary care only | ~$92/mo avg | Unlimited primary care — no major medical | Must pair with other coverage for hospitalizations | Year-round |
| Short-term medical | $95–$165/mo est. | Major medical for temporary gap — 3–4 month terms | Pre-existing excluded · not MEC · terms limited | Year-round |
Why the Health Share + DPC combination is relevant in Florida
Florida has a large self-employed, gig economy, and small business population — particularly in Miami, Tampa, Orlando, and Jacksonville. Many are above the subsidy cliff and face the full $683/month benchmark premium. For Florida residents above the 400% FPL subsidy cliff earning above $62,600/year, the gap between what unsubsidized ACA costs ($683/mo) and what a Health Share + DPC combination costs ($230–$480/mo) makes alternatives worth evaluating seriously. The combination does not replace ACA coverage for people with pre-existing conditions or subsidy eligibility — but for healthy residents above the cliff, it is a financially compelling option.
Short-term medical in Florida
Yes. Short-term medical insurance is available in Florida. Florida statute (§627.6525) allows initial terms of less than 12 months with total duration including renewals of up to 36 months. Following the August 2025 federal enforcement suspension, insurers resumed offering longer-duration plans — as of early 2026, at least 6 insurers offer STM in Florida with up to 36-month total durations available. STM excludes pre-existing conditions, does not count as ACA minimum essential coverage, and losing it does not trigger an ACA Special Enrollment Period. Source: healthinsurance.org Florida STM tracker.
Initial term allowed
less than 12 months
Maximum total duration
up to 36 months total including renewals
ACA marketplace — 2026 carrier & plan guide
Florida marketplace carriers, plans, and pricing
The table below shows every carrier offering ACA marketplace plans in Florida for 2026, what metal tiers they offer, their network type, and estimated starting premium for a 40-year-old before subsidy. Availability varies by county — verify at healthcare.gov for your specific ZIP code.
Carriers — 2025
12
marketplace insurers
Carriers — 2026
11
▼ 1 fewer than 2025
National average
9.0
insurers per state 2026
2026 notable changes: Aetna exited (150,000 displaced). 22 Health entered Broward County only. Premiums up 31.5% before subsidies. Source: KFF — Insurer Participation 2026.
Premiums are estimates for a 40-year-old non-smoker before any subsidy. ⚠ carriers are participating in 2026 but have announced exit after the 2026 plan year — 2027 coverage will need to be selected from remaining carriers. Carrier count and county availability vary. Always verify at healthcare.gov for your ZIP code.
See your exact costs for Florida — enter your income and ZIP
The comparison tool calculates your ACA subsidy, benchmark premium, and how alternatives compare — for your specific age, income, and Texas ZIP code.
Florida health coverage — common questions
Individual health coverage in Florida — questions people ask most
Does Florida have its own health insurance marketplace?
No. Florida uses the federal exchange at HealthCare.gov — there is no state-run marketplace. Texas is one of the largest states to rely entirely on the federal exchange. The Texas Department of Insurance regulates carrier rates and network adequacy, but enrollment runs through CMS-operated HealthCare.gov. 16 insurers participate in the Texas marketplace for 2026, offering HMO and EPO plans only — no PPO plans are available on-exchange.
What is the 2026 ACA benchmark premium in Florida?
The 2026 benchmark silver premium for a 40-year-old in Florida is $683/month. Premiums are age-rated: younger adults pay less, older adults pay more. For a 60-year-old, the benchmark premium is significantly higher. If your household income is between $15,650 and $62,600 (100%–400% FPL for a single adult), you likely qualify for a premium tax credit that reduces this cost. Use the comparison tool to calculate your specific subsidy. Source: KFF.org 2026.
Does Florida have Medicaid expansion?
No. Florida has not expanded Medicaid under the ACA. Florida has not expanded Medicaid. Working-age adults without children generally do not qualify for Florida Medicaid regardless of income. This creates a coverage gap for individuals below 100% FPL ($15,650/yr for a single adult). Florida, Texas, and Georgia account for the largest share of the national coverage gap.
Are Health Shares available in Florida?
Yes. Health Shares are available to Florida residents year-round with no open enrollment requirement. Health Shares are not insurance and are not regulated by the state Department of Insurance — they operate under contract law and are subject to the state Attorney General’s oversight. Pre-existing conditions are typically excluded or subject to waiting periods. See the Health Shares guide for a full explanation.
What are the best health coverage options for self-employed Florida residents?
It depends on your income. If your projected MAGI is between $15,650 and $62,600 (single adult, 2026), an ACA plan with a subsidy is almost always the most cost-effective option. If your income exceeds $62,600, you face the full $683/month benchmark premium with no assistance. At that income level, a Health Share paired with a DPC membership is a common alternative — total monthly cost typically $230–$480/month. Note that self-employed residents can deduct health insurance premiums — ACA premiums and Health Share contributions have different tax treatment. Consult a CPA for your specific situation.
Is short-term health insurance available in Florida?
Florida statute (§627.6525) allows initial STM terms of less than 12 months with total duration including renewals up to 36 months. Following the August 2025 federal enforcement suspension, insurers resumed offering plans with longer durations. At least 6 insurers offer STM in Florida. STM excludes pre-existing conditions, does not satisfy ACA minimum essential coverage, and losing it does not trigger an ACA SEP. Best suited for short coverage gaps. See the short-term medical guide.