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Licensed in Florida

Florida health insurance for 2027

If your insurer is leaving Florida's marketplace, you'll need a new plan for 2027. Check your renewal notice to see whether yours continues. Pick a replacement on HealthCare.gov by December 15 for coverage from January 1, or let us do the comparing.

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Reviewed by Ollie Gougaud, licensed insurance broker, on October 15, 2026

On this page

If your plan is leaving

If your insurer stops selling marketplace plans in Florida for 2027, here's what happens and what to do about it.

Read your insurer's notice

Your insurer writes to you about 2027 before open enrollment. If it says your plan is ending, choose a new one between November 1 and December 15.

If you do nothing

When your insurer has no plan left in your area, the exchange can move you to a similar plan from another insurer. That plan may not include your doctors, so it's better to choose it yourself.

The dates that matter

Choose by December 15 and the new plan starts January 1. Choosing later in open enrollment, through January 15, means a February 1 start.

What else changes in Florida for 2027

Florida has the largest marketplace in the country: 4,538,772 people picked a plan for 2026, nearly 1 in 5 of the national total.

Higher prices requested

Insurers asked for average increases from 3.87% to 39.14% for 2027, depending on the insurer. Final rates aren't published yet. Your own change depends on your plan, age and county, and on any tax credit.

Tax credits end for some immigrants

From 2027, the only immigrants who can get a premium tax credit are lawful permanent residents, Cuban and Haitian entrants and COFA migrants. Other lawfully present immigrants can still enroll, at full price.

Medicaid and the coverage gap in Florida

Florida hasn't expanded Medicaid. By KFF's estimate from 2024 data, about 267,000 uninsured adults fall in the gap between Florida Medicaid and the marketplace.

Who is in the gap

Adults whose income is too high for Florida Medicaid but below the federal poverty line. Marketplace tax credits generally start at the poverty line, so these adults get neither.

If you're in the gap

You can still buy a marketplace plan at its full price. Send us a message and we'll go through what's available to you.

For Florida employers

A Florida employer can use an ICHRA, now also called a CHOICE arrangement, to reimburse employees tax-free for the individual plans they choose, on HealthCare.gov or off the exchange.

Read about ICHRA for small businesses

Our license in Florida

Anyone who sells insurance or advises on it in Florida needs a license there. You can check ours before you talk to us.

License number

Ollie Gougaud holds Florida license G335330. Check it with the Florida DFS licensee search (opens in a new tab).

If you have a problem

The Florida Department of Financial Services (opens in a new tab) takes complaints about any insurance company or agent licensed in Florida, including us.

Questions from Floridians

My insurer is leaving Florida's marketplace. What do I do?

Choose a new plan during open enrollment, by December 15 for a January 1 start. We can line up the plans sold in your county against your doctors and prescriptions.

What happens if I don't pick a new plan?

If your insurer has no plans left where you live, the exchange can place you in a similar plan from another insurer. Check that plan's doctors and drugs, or choose your own by December 15.

Why can't I get a tax credit if my income is very low?

Tax credits generally start at the federal poverty line, and Florida hasn't expanded Medicaid to the adults below it. That leaves about 267,000 uninsured adults in a coverage gap, by KFF's estimate.

Sources

The dates, prices, insurers and rules on this page come from the sources below, each checked on the date shown. Open enrollment dates can still change while a court case about the rule that would have shortened them is on appeal; if they do, we'll update this page. Summaries of laws and rules here are not legal or tax advice.

Talk to a licensed broker

Send a message and we'll get back to you, usually within one business day.

Phone: (702) 213-7375Email: info@wellcoveredsolutions.com

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