Compare Florida
Health Insurance Plans

In Florida, most people who qualified for financial help (or subsidies) paid around $67 a month for ACA Marketplace health insurance in 2025.


During open enrollment for 2025 coverage, more than 97% of Florida Marketplace enrollees qualified for premium subsidies, known as Advance Premium Tax Credits (APTC). These subsidies help lower monthly premium costs — and on average, Floridians received about $591 per month in savings. 


However, the enhanced federal subsidies that have been in place since 2021 are set to expire at the end of 2025 unless Congress extends them. If that happens, some people could see smaller subsidies — or lose them altogether — starting in 2026.

According to the Kaiser Family Foundation (KFF), the projected 2026 average health insurance premium in Florida is $683, vs. $515 in 2025. Keep in mind that your actual monthly premium cost depends on several factors — including your age, ZIP code, income, household size, and whether you qualify for subsidies.


To make sure you’re getting the best price and plan for your needs, it’s a good idea to work with a licensed insurance agent to help you compare your options, confirm your eligibility for savings, and find a plan that fits your budget and needs.

In Florida, you can choose from several types of insurance for individuals and families, depending on your needs: 

Medical (Health) Insurance: 
As of 2025, Florida has not expanded Medicaid to include more low-income adults, so many residents rely on medical insurance through the ACA Marketplace (the government health insurance website at HealthCare.gov) and private insurance companies.

Common plan types include: 
– Health Maintenance Organization (HMO)
– Preferred Provider Organization (PPO)
– Exclusive Provider Organization (EPO)
– High-Deductible Health Plan (HDHP)
These plans help cover doctor visits, hospital care, and prescriptions. Marketplace plans are grouped into metal tiers — Bronze, Silver, Gold, and Platinum — based on how costs are shared.

– Dental Insurance: Helps pay for cleanings, checkups, and other dental care. 
– Vision Insurance: Covers eye exams and may help pay for glasses or contact lenses. 
– Short-Term Health Insurance: Temporary coverage for gaps between plans, with limited benefits and not all services covered. 

At eHealth, a licensed insurance agent can help you compare plans to find the one that best fits your current health needs.

Florida doesn’t offer free health insurance for everyone, but there are programs that provide no-cost or low-cost coverage for people who qualify based on income, age, or other factors.


Florida Medicaid offers free or low-cost coverage to eligible low-income residents, including children, pregnant women, older adults, and people with disabilities. It covers most basic healthcare services such as doctor visits, hospital care, and preventive care.


Florida KidCare (the state’s Children’s Health Insurance Program, or CHIP) helps families with children under 19. It covers medical, dental, vision, and prescription services. Families earning too much for Medicaid, but less than 215% of the FPL, pay a monthly premium of $15 or $20, which covers all eligible children in the household.


If your income is too high for Medicaid, you may still get help through the Health Insurance ACA Marketplace at HealthCare.gov. Financial assistance with monthly premiums is typically available to those earning up to about 400% of the FPL (in 2025). Extra savings on copays and deductibles may apply if your income is at or below 250% of the FPL, also in 2025.


Since eligibility rules can change, it’s best to check your options at HealthCare.gov or contact Florida Medicaid directly to see what programs you qualify for.

You can compare plans and check for subsidies through the federal Health Insurance Marketplace at HealthCare.gov. Florida uses a federally facilitated ACA Marketplace (meaning the federal government runs the exchange instead of the state). A licensed insurance agent can also help you review your options and figure out which plan might be the most affordable for your situation.


In recent years, more than 97% of Florida Marketplace enrollees qualified for subsidies, which help lower monthly premiums. Some of these subsidies are set to expire at the end of 2025, but they may be extended or adjusted in 2026, so it’s important to check the latest information.

For individual and family ACA Marketplace plans in Florida, the 2026 Open Enrollment Period runs from November 1, 2025 through January 15, 2026.


– If you enroll by December 15, your coverage starts January 1.
– If you enroll by between December 16 and January 15, your coverage starts February 1.

Students in Florida have several options for coverage. You can stay on a parent’s health insurance plan until age 26, enroll in a school-sponsored or student health plan, or buy your own individual plan through the ACA Marketplace at HealthCare.gov. Some students may also qualify for Medicaid or Florida KidCare if they meet income requirements.