2027 health insurance in Florida
See how much help you could get and which plans are available in your county, without giving your name or phone number.
Behind this site is a licensed health insurance agent in Florida who helps you in English or Spanish.
How it works
Your ZIP code, who needs coverage and how much you expect to earn in 2027. No name, no phone number and no Social Security number.
Your estimated help and the 2027 plans the Marketplace has in your county, with what you would pay each month. Plus how many plans there are in total.
Mark the plan you like. Your agent reviews it with you and enrolls you from the agent account, only with your permission.
Before you get a quote
The extra help available through 2025 ended on December 31, 2025. If your household earns more than 400% of the federal poverty level, there is no tax credit.
Starting in 2027, help paying the premium is only for citizens, nationals, permanent residents, Cuban and Haitian entrants, and COFA migrants.
In Florida, the second-lowest-cost Silver plan for a 40-year-old goes from $683 to $738 a month on average, before help. Help is based on that plan, so what you pay may change less.
Source: KFF · Oct 30, 2026
Some insurers are changing or no longer selling Marketplace plans in Florida for 2027. It's worth checking yours.
Source: Florida OIR · Oct 16, 2026
In 2027, the most you pay in a year for covered services is $12,000 per person and $24,000 per family.
No confusing words
Examples to help you understand, not real prices.
What you pay each month to have insurance, whether you use it or not.
Example: full premium of $420 and help of $350. You pay $70 a month.
What you pay for certain services before your plan starts paying its share.
Example: $3,000 deductible and a $5,000 bill. You pay the first $3,000; you share the rest with your plan.
Copay: a fixed price for a service. Coinsurance: a percentage of the cost.
Example: doctor visit with a $30 copay: you pay $30. 20% coinsurance on a $1,000 bill: you pay $200.
The most you pay in a year for covered services. After that, your plan pays 100% of what's covered.
Example: in 2027 it can't be more than $12,000 per person. Premiums don't count toward this maximum.
Common questions
No. This site is not HealthCare.gov and is not run by the government. It is operated by a licensed health insurance agent in Florida. HealthCare.gov is the official Marketplace website.
No. Getting a quote does not enroll you. If you like a plan, your agent reviews it with you and enrolls you from the agent account. You'll get a link or a code to authorize it: without your permission, the agent can't enroll you.
We show the Marketplace plans in your county according to CMS, in an order that favors no insurer, and we always tell you how many there are in total. If one is missing or you want to see them all, go to HealthCare.gov or ask your agent.
No. To get a quote we don't ask for your name, phone, email or Social Security number. Just your ZIP code, who needs coverage and your estimated income.
What you expect to earn in 2027, not what you earned last year. If you're not sure, the quote tool helps you figure it out by the hour, by the month or as self-employed.
If you don't pick a plan by December 15, 2026, you may be re-enrolled automatically, with coverage starting January 1. Your plan and your help may change, so it's a good idea to review it.