2026 ACA Health Insurance in Florida — Coverage From $0/Month
Florida has one of the largest ACA Marketplaces in the country, with millions of residents enrolled. Most Floridians who apply qualify for premium tax credits that sharply lower their monthly cost. Compare Florida plans and your subsidy in under two minutes — free, with a licensed Florida agent if you want help.
Your Marketplace
Florida residents enroll through HealthCare.gov, the federally facilitated Marketplace. We compare every plan available in your county.
Subsidies & savings
Florida has not expanded Medicaid. That makes ACA premium tax credits especially valuable — for many working residents, a subsidized Marketplace plan is the most affordable route to comprehensive coverage.
Enrollment window
Open Enrollment in Florida runs November 1 – January 15. Qualifying life events open a Special Enrollment Period year-round.
Serving all of Florida
From Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale to rural counties statewide — coverage options everywhere in Florida.
How to get covered in Florida
- 1
Enter your Florida ZIP & a few details
Your ZIP, date of birth, household size, and estimated income let us match accurate Florida prices and calculate your subsidy.
- 2
Compare Florida plans side by side
See real prices, deductibles, and networks from top carriers in your county — with your premium tax credit already applied.
- 3
Enroll free with a licensed FL agent
A state-licensed agent confirms your details, answers questions, and enrolls you at no cost. Coverage can start the first of next month.
Common questions in Florida
How much does ACA health insurance cost in Florida?
It depends on your income, age, and county within Florida. Thanks to enhanced federal subsidies, a large share of applicants qualify for plans as low as $0 per month after the premium tax credit. Enter your ZIP code to see your personalized Florida prices in under two minutes.
Which Marketplace do I use to enroll in Florida?
Florida residents enroll through HealthCare.gov, the federally facilitated Marketplace. A licensed ProHealthcareJournal agent can compare every plan available in your county and complete your enrollment for free.
When is Open Enrollment in Florida?
Open Enrollment in Florida generally runs November 1 – January 15. You may also qualify for a Special Enrollment Period any time of year after a qualifying life event such as losing coverage, moving, marriage, or having a baby.
Health insurance in other states
Ready to see your Florida plans?
It takes about two minutes to compare Florida options and your savings — free and with no obligation.