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ACA Health Insurance Coverage Options in Florida
Florida uses the federal HealthCare.gov Marketplace for ACA health insurance. Review coverage options and enrollment information for Florida residents.
The new 2027 plans become available November 1, 2026. Call 855-367-1095 now to get a sneak peek at the new plans before then, and we will have your options ready the day they open.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Florida Medicaid: Agency for Health Care Administration (AHCA) · 1-866-762-2237 (Department of Children and Families (to apply)) · ahca.myflorida.com
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Eligibility considerations
- No coverage available through an employer, Medicare, or Medicaid
- Interest in comparing Florida Marketplace plans by metal tier
- Uncertainty about premium tax credit eligibility based on household income
Plan tiers
Lower monthly premium; higher cost-sharing when care is used.
The benchmark tier for subsidy calculations; the only tier eligible for additional cost-sharing reductions.
Higher monthly premium; lower cost-sharing at the point of care.
Florida Medicaid and Marketplace information
- Medicaid expansion status
- Not expanded
- Florida Medicaid agency
- Agency for Health Care Administration (AHCA)
- ACA Marketplace
- HealthCare.gov (federal Marketplace)
If an ACA plan doesn't fit
Some Florida residents earn too much for premium help, or missed the enrollment window, and feel they have no options. You may still have some.
Florida counties: ACA open enrollment
Choose your county for the dates, Medicaid status and how to get help.
- Miami-Dade County
- Broward County
- Hillsborough County
- Palm Beach County
- Orange County
- Duval County
- Pinellas County
- Lee County
- Polk County
- Brevard County
- Pasco County
- Volusia County
- Seminole County
- Sarasota County
- Manatee County
- Osceola County
- Lake County
- Marion County
- Collier County
- St. Lucie County
- Escambia County
- St. Johns County
- Leon County
- Alachua County
- Clay County
- Okaloosa County
- Hernando County
- Charlotte County
- Santa Rosa County
- Bay County
- Indian River County
- Citrus County
- Martin County
- Sumter County
- Flagler County
- Highlands County
- Nassau County
- Walton County
- Monroe County
- Putnam County
- Columbia County
- Jackson County
- Levy County
- Suwannee County
- Gadsden County
- Hendry County
- Okeechobee County
- Wakulla County
- DeSoto County
- Baker County
- Bradford County
- Hardee County
- Washington County
- Taylor County
- Holmes County
- Gilchrist County
- Madison County
- Dixie County
- Gulf County
- Union County
- Jefferson County
Common questions
How is ACA Marketplace coverage administered in Florida?
Florida uses HealthCare.gov (federal Marketplace) rather than a state-run exchange. Enrollment, plan comparison, and subsidy determinations run through the federal system.
Has Florida expanded Medicaid under the ACA?
Florida has not adopted ACA Medicaid expansion. Some adults with income too high for traditional Medicaid but too low to qualify for Marketplace premium tax credits may fall into a coverage gap. A licensed agent can review what applies to a specific household.
Is there a cost to speak with a licensed agent?
No. Reviewing ACA Marketplace options by phone with a licensed agent has no cost. Any plan ultimately selected carries its own separate premium, determined by the plan and carrier, not by GetFastRates.com.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.