Health insurance in Florida is sold through Federal (Healthcare.gov), with an estimated 130-200 plans available for 2026. The average Silver-tier premium is $475/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Not expanded.
Marketplace
Federal HC.gov
Federal (Healthcare.gov)
Avg Silver Premium
$475/mo
Before tax credits, age 40
Medicaid
Not expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Federal (Healthcare.gov) | Apply via Healthcare.gov |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 130-200 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Not expanded | Coverage gap may exist |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Florida is paradoxically the most enthusiastic ACA marketplace state in the country by enrollment — over 4 million Floridians enrolled in 2025 coverage — while simultaneously being the largest state to have refused Medicaid expansion. The marketplace is highly competitive, particularly in South Florida, Tampa Bay, and Orlando metro areas, with 130–200 plans available statewide. Florida Blue, Ambetter, and Molina are the top carriers. Silver premiums average $460–$490/month for a 40-year-old before subsidies. However, the combination of robust federal subsidies and a large price-sensitive population has made Florida the bellwether market for marketplace enrollment nationally.
Florida's refusal to expand Medicaid leaves an estimated 700,000+ adults in the coverage gap — the largest such population of any state. These individuals earn too little for marketplace subsidies (below 100% FPL) and do not qualify for Florida's narrowly defined Medicaid program, which covers primarily pregnant women, children, and severely disabled individuals. Governor DeSantis and the Republican-controlled legislature have consistently blocked expansion. Florida uses Healthcare.gov for all marketplace enrollment. The state has no reinsurance program, though insurer competition helps moderate some premiums.
Leading 2026 ACA carriers in Florida: Florida Blue (BCBS), Ambetter (Centene), Molina Healthcare. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Florida is the largest non-expansion state; it also has the highest ACA marketplace enrollment in the nation, with over 4 million enrollees.
Florida has not expanded Medicaid. This creates a "coverage gap" where some adults earn too much for Medicaid but too little to qualify for premium tax credits. Check eligibility for traditional Medicaid (parents, pregnant women, disabled, elderly) separately.
💡 Florida Pro Tip
Florida uses the federal marketplace at Healthcare.gov. The state does not operate its own exchange.
A 40-year-old non-smoker in Florida typically pays about $460–$490/month for a Silver plan before subsidies. Costs vary significantly by county.
No. Florida has not expanded Medicaid under the ACA. Adults without dependents generally do not qualify unless they meet narrow disability or other criteria, leaving a significant coverage gap.
Marketplace data sourced from state and federal exchange filings for Florida, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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