Compare your Florida coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Florida residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Florida is the first step toward a plan that fits.
Florida uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers.
Florida has not expanded Medicaid, so Medicaid eligibility is more limited here. That makes income-based marketplace subsidies (premium tax credits) especially important for keeping coverage affordable.
Open enrollment for Florida plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Florida residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
Florida enrolls more people in ACA marketplace coverage than any other state in the country, but 2026 brought real volatility — enrollment fell here more than anywhere else after enhanced federal subsidies expired, and the state's hurricane exposure creates enrollment and grace-period mechanics most states rarely need at this scale.
Florida had about 3.85 million paid (effectuated) marketplace enrollees in February 2026 — more than any other state, and roughly 570,000 more than second-place Texas, which had about 3.28 million.
Florida's effectuated marketplace enrollment fell from about 4.3 million in February 2025 to about 3.85 million in February 2026 — a decline of roughly 440,000 to 450,000 people, the largest numeric drop of any state. The decline followed Congress's decision to let enhanced federal ACA subsidies expire in December 2025, which pushed premiums up by an estimated 37% (about $1,000 per year) nationally.
After a FEMA-declared hurricane disaster, Florida residents in a county FEMA designates for individual or public assistance may qualify for an extended enrollment window on the federal marketplace. Current policy allows self-attestation — no supporting documents required — when residents call the federal Marketplace Call Center (1-800-318-2596) to request the special enrollment period, generally within 60 days after the FEMA-designated incident period ends.
Florida law (F.S. 627.608) sets a bare-minimum 10-day grace period for individual health policies billed monthly (7 days for weekly billing, 31 days for other cycles) — insurers may offer longer, but not shorter. That state floor is far shorter than the 3-month grace period federal law (45 CFR §156.270) requires for marketplace enrollees who receive premium tax credits and have paid at least one month's premium that year.
We serve Florida residents across Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale and statewide.
Personal coverage for Florida residents without an employer plan.
Learn MoreProtect your whole household under one Florida plan.
Learn MoreFlexible coverage for Florida freelancers and contractors.
Learn MoreGroup health benefits for Florida teams of 2 to 50.
Learn MoreFlorida's hurricane exposure triggers two separate protections. If a storm hits your county during an enrollment window, FEMA-designated counties can get an extended sign-up period on the federal marketplace, generally handled by self-attestation over the phone rather than paperwork. Separately, if you already have subsidized marketplace coverage and miss a premium payment, federal law gives you a 3-month grace period, far longer than the 10-day minimum Florida sets for standard individual policies. We track both of these for our clients so a storm doesn't cost you your coverage.
Florida uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Florida has not expanded Medicaid, so Medicaid eligibility is more limited here. That makes income-based marketplace subsidies (premium tax credits) especially important for keeping coverage affordable. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for Florida plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Florida individuals, families, self-employed professionals, and small business owners across Miami, Orlando, Tampa, Jacksonville, and Fort Lauderdale and statewide, matching each situation to the right coverage.
Talk through your options with a licensed advisor who serves Florida. No cost, no pressure.