How does the move from Puerto Rico work for marketplace plans?
Most people can only buy a marketplace plan during open enrollment, which runs November 1, 2026 to January 15, 2027. A move can open a Special Enrollment Period, usually 60 days from the move. Moving to the U.S. from a foreign country or a U.S. territory, such as Puerto Rico, is one of the qualifying moves.
Normally a move only qualifies if you had health coverage for at least one day in the 60 days before. CMS says that requirement does not apply if you lived in a foreign country or U.S. territory for at least one of those days. HealthCare.gov may ask you to send documents that confirm the move, so keep your records together.
What about Medicare, Medicaid and employer coverage?
| Coverage you had | What to know in Kissimmee |
|---|---|
| Medicare | Medicare moves with you. If your Medicare Advantage plan does not serve your new address, Medicare gives you a Special Enrollment Period to join a new plan or go back to Original Medicare. |
| Medicaid in Puerto Rico | Medicaid is run by each state or territory, so coverage does not transfer. Apply to Florida Medicaid, which accepts applications all year, and ask about the marketplace if you do not qualify. |
| Employer plan | Check whether the plan has a network where you live now. Losing job based coverage is its own qualifying event. |
How many people in Osceola County use the marketplace?
| Measure | Osceola County |
|---|---|
| People who picked a plan | 151,333 |
| Received a premium tax credit | 97.7% |
| Average monthly premium before credits | $739 |
| Average monthly premium after credits | $67 |
| Paid $10 a month or less after credits | 51,205 |
| Picked a silver plan | 58.6% |
Osceola's average premium after credits, $67 a month, was well below the Florida average of $106. That is a 2026 average, not a quote for you.
Census estimates put Kissimmee at 85,591 residents, with 11.6% age 65 or older. About 69.2% of Kissimmee residents speak a language other than English at home, and 14.1% of people under 65 are uninsured.
Can I apply in Spanish?
Yes. The Spanish version of HealthCare.gov is CuidadoDeSalud.gov. Have your Social Security number or immigration document number, your income information and your new Kissimmee address ready.
Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.
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Marketplace, Medicaid and Medicare rules for the whole state.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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