Skip to content
Health Insurance Solutions

Licensed in Florida

Health insurance and Medicare in Florida

Health Insurance Solutions is an independent agency licensed in Florida. Our agents compare ACA marketplace, Medicare and other health plans for people in Florida at no cost to you. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

Get help

Facts reviewed

Florida at a glance for 2027

Marketplace
HealthCare.govFederal marketplace
Open enrollment for 2027
November 1, 2026 to January 15, 2027
For coverage on January 1
Pick a plan by December 15, 2026
Medicaid
Not expandedFlorida Medicaid
Medicare plan changes
October 15 to December 7, 2026
Medicare counseling
SHINE (Serving Health Insurance Needs of Elders)Free and unbiased

What changes in Florida for 2027?

Smaller marketplace savings

The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.

No Medicaid expansion

Florida has not expanded Medicaid. Most adults without children or a disability do not qualify for Florida Medicaid, and adults earning less than the poverty line usually cannot get marketplace savings either.

Medicare plan changes

Medicare's annual enrollment period runs October 15 to December 7, 2026. If you have a Medicare Advantage plan, you can switch again from January 1 to March 31, 2027.

How much help can I get with health insurance in Florida for 2027?

Enter your household size and expected income to see your estimated 2027 premium and whether Florida Medicaid may apply.

You expect to pay about $289 a month

That is 8.68% of your income for the benchmark silver plan, at 251% of the poverty level. Add the benchmark plan price above to see your tax credit.

Poverty level used: $15,960 for 1 person (2026 guidelines).

Email me this result

Keep a copy for later. Free, and no phone number needed.

Add details or request a call (optional)

For example, 03/14/1958.

We email your result, and a licensed agent may follow up by email. Unsubscribe anytime. Privacy Policy

This is an estimate, not a quote. Open the full calculator.

How do I get health insurance in Florida?

  1. Mark your dates

    Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

  2. Check Medicaid and savings

    Florida Medicaid mainly covers children, pregnant women, people with disabilities, seniors with low income and some parents with very low income. Most other adults shop on HealthCare.gov, where savings start at 100% of the federal poverty level.

  3. Compare plans with a licensed agent

    A Health Insurance Solutions agent licensed in Florida compares the plans available in your ZIP code, explains the tradeoffs and helps you enroll. Our help costs you nothing.

  4. Enroll before the deadline

    Pick a plan by December 15, 2026 for coverage that starts January 1, 2027. After open enrollment ends, you usually need a qualifying life event, like losing other coverage or moving, to enroll.

Talk to an agent licensed in Florida

We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.

Get help

What should people with Medicare in Florida know?

Medicare dates are the same in every state. Each state sets its own Medigap rules, so that is where Florida differs.

How Medicare coverage works
Annual enrollment period
October 15 to December 7, 2026. Join, switch or drop a Medicare Advantage or Part D plan for 2027.
Medicare Advantage open enrollment
January 1 to March 31, 2027. If you have a Medicare Advantage plan, you can switch to another one or return to Original Medicare.
Medigap if you are under 65
Yes. State law requires insurers to offer Medigap to people under 65 who have Medicare because of a disability.
Switching Medigap plans
Florida has no birthday or anniversary rule. After your Medigap open enrollment period, insurers can usually ask health questions before selling you a new policy, except in federal guaranteed issue situations.
Free, unbiased counseling
SHINE (Serving Health Insurance Needs of Elders). Find a local counselor at shiphelp.org.

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.

Plans we help with in Florida

Local guides for Florida cities

Check an insurer or hospital

See the networks each organization describes and how to check your exact plan.

All insurer and hospital guides

Find insurers and hospitals in Florida

Browse state-specific insurer and hospital listings, see the sources, and learn what to confirm before you choose a plan.

Explore Florida insurers and hospitals

Health insurance for Florida business owners

Florida small business

How much should a Florida small business budget for health insurance?

Group plans, the tax credit and the state rules for employers.

Florida health insurance questions

When is open enrollment for 2027 health insurance in Florida?

Open enrollment for 2027 coverage in Florida runs from November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.

Can I get health insurance in Florida after open enrollment ends?

Yes, if you have a qualifying life event. Losing other coverage, moving, getting married or having a baby usually opens a 60-day special enrollment period on HealthCare.gov. Medicaid and CHIP accept applications all year.

Can I still get help paying for a marketplace plan in Florida in 2027?

Yes, if your household income is between 100% and 400% of the federal poverty level. The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.

Has Florida expanded Medicaid?

No. Florida has not expanded Medicaid. Most adults without children or a disability do not qualify for Florida Medicaid, and adults earning less than the poverty line usually cannot get marketplace savings either.

Do Medicaid work requirements apply in Florida?

Not for most people. The federal work requirement that starts by January 1, 2027 applies to adults covered through Medicaid expansion, and Florida has not expanded Medicaid.

Can I switch Medigap plans in Florida without health questions?

Usually only in limited cases. Florida has no birthday or anniversary rule. After your Medigap open enrollment period, insurers can usually ask health questions before selling you a new policy, except in federal guaranteed issue situations.

Where can I get free Medicare counseling in Florida?

In Florida, free and unbiased Medicare counseling comes from the State Health Insurance Assistance Program, called SHINE (Serving Health Insurance Needs of Elders). You can find a local counselor at shiphelp.org.

Is Health Insurance Solutions licensed in Florida?

Yes. Health Insurance Solutions is an independent insurance agency licensed in Florida and 21 other states. Our agents compare plans from multiple insurers and help you enroll, at no cost to you.

Sources

Facts reviewed

Rules change. Confirm dates and eligibility with your marketplace, your state Medicaid agency or Medicare before you enroll.

Other states we serve

Compare all 22 states