Health Insurance in Florida
The average benchmark silver plan premium in Florida's ACA marketplace is approximately $475/month before subsidies. Subsidies are available for most people earning 100–400% of the federal poverty level and can reduce your cost significantly or to $0.
Medicaid in Florida
Florida has NOT expanded Medicaid. This creates a coverage gap for adults earning between the Medicaid threshold and the ACA marketplace subsidy floor (100% of FPL). If you fall in this gap, explore other options such as community health centers.
Florida Health Insurance Context
Florida has not expanded Medicaid, leaving hundreds of thousands of low-income adults without affordable coverage options. Florida uses the federal Healthcare.gov marketplace.
Health Coverage Options in Florida
- Employer-sponsored insurance: Usually the most cost-effective if available
- ACA Marketplace plans: Available at $475/month/month (before subsidies) — subsidies can dramatically lower your cost
- Medicaid: Limited eligibility in Florida — check your specific situation
- Medicare: For adults 65+ and qualifying individuals with disabilities
- Short-term health plans: Low-cost but limited coverage — not ACA-compliant
Frequently Asked Questions
How much does health insurance cost in Florida?
The average benchmark silver ACA marketplace plan in Florida costs approximately $475/month per month before subsidies. Most people who enroll qualify for premium tax credits that can significantly reduce this cost — or bring it to $0 for lower-income households. Use our calculator to estimate your net premium.
Has Florida expanded Medicaid?
No, Florida has not expanded Medicaid, which means many low-income adults fall into a coverage gap and do not qualify for either Medicaid or marketplace subsidies. Florida has not expanded Medicaid, leaving hundreds of thousands of low-income adults without affordable coverage options. Florida uses the federal Healthcare.gov marketplace.
When can I enroll in health insurance in Florida?
The ACA Open Enrollment Period (OEP) typically runs November 1 – January 15 for coverage starting the following year. Outside of OEP, you can enroll if you have a qualifying life event (job loss, marriage, birth, etc.) through a Special Enrollment Period (SEP). Medicaid enrollment is open year-round in Florida.
What is the best health insurance plan in Florida?
The best plan depends on your health needs, budget, and preferred doctors. In Florida, compare Silver plans on the marketplace — they balance premiums and out-of-pocket costs for most people. If you qualify for Medicaid, that is typically the most affordable option. Use our calculator to model different scenarios.