What will a Florida health plan actually cost you?
Most Florida households qualify for help paying their premium. We explain how coverage and subsidies really work, in plain English. When you want a second set of eyes, a licensed Florida agent will check your numbers for free, with no obligation.
- Licensed FL agents · Lic. L123832
- Help is always free · carriers pay us, never you
- Independent · multiple carriers compared
Your 2027 subsidy eligibility, in 30 seconds
Real marketplace rules. No contact info needed to see the result.
This is an estimate for educational purposes only. Your actual subsidy depends on the cost of the benchmark Silver plan in your county, your age, and other factors, and is determined by HealthCare.gov. It is not a guarantee of eligibility or coverage.
- 2027 Open Enrollment
- Nov 1 to Jan 15
- Enroll by Dec 15 for Jan 1 coverage
- Subsidy income cap
- $63,840
- Single person, 400% of poverty level
- Medicare plans we compare
- 258
- From 4 carriers in Florida
- Counties covered
- All 67
- Local pages for every Florida county
Questions Floridians are asking right now
All answers →Can I enroll outside open enrollment?
Yes, if something changed: you moved, lost coverage, got married, or had a baby. Most life changes open a 60-day window.
See if you qualify →Is Cigna really leaving Florida?
Yes. Cigna exits the Florida marketplace for 2027. Your plan works through December 31; here's what to do before then.
What Cigna members should do →What happens if my income goes up?
Your subsidy shrinks as income rises, and past certain lines it drops fast. Report changes promptly to avoid a tax-time surprise.
The subsidy cliff, explained →I'm self-employed. What are my options?
Marketplace plans with subsidies usually beat anything sold off-exchange for 1099 and gig workers, and premiums may be deductible.
Self-employed guide →Free tools
No sign-up, no contact info to browseSubsidy calculator
Estimate your premium tax credit eligibility from real marketplace rules.
Can I enroll right now?
Check whether a life change opens a special enrollment window for you.
Is my doctor covered?
Search Florida doctors by city and specialty, then check plan networks.
What plans really cost
Average Florida premiums by metal tier, before and after subsidies.
Your county, your carriers
All 67 counties →Carriers, networks, and prices change county to county. Pick yours for who actually writes there and what coverage runs after subsidies.
The Panhandle13 counties →
North Florida16 counties →
Northeast Florida6 counties →
Central Florida13 counties →
Tampa Bay7 counties →
Southwest Florida6 counties →
Southeast Florida4 counties →South Florida2 counties →Region photos from Wikimedia Commons: TimothyJ (CC BY 2.0), DXR (CC BY-SA 4.0), Jon Zander (Digon3) (CC BY-SA 3.0), JER3L1337 (CC BY 4.0), Sonny SideUp (CC BY 2.0), quadell (CC BY-SA 3.0), Andyxox (Public domain), P. Hughes (CC BY-SA 4.0).
Latest guides
All articles →UHealth Leaving UnitedHealthcare Preferred Care Network
UHealth leaves the UnitedHealthcare Preferred Care Network Medicare Advantage network on Jan 1, 2027.
Moving to Florida? Health Insurance Steps and Deadlines
Moving to Florida health insurance guide: how the 60-day move Special Enrollment Period works, what happens to your old plan, and Medicaid and Medicare rules.
Snowbird Health Insurance in Florida: How Coverage Works
Snowbird health insurance in Florida: how plan networks, residency rules, and out-of-state care work when you split the year between two homes.
When you're ready for help, we're here
Read the answers, run the numbers, take your time. If you'd like a licensed Florida agent to review your options or handle the enrollment, that help never costs you anything - carriers pay us, and the price of your plan is the same either way.
Common questions
Is CompareFloridaHealth free to use?
Yes, completely free. We're a licensed Florida insurance agency, and agents are paid by the insurance carriers - never by you. There's no cost or obligation to get a quote or enroll through us, and the price of your plan is the same either way.
Are you part of the government or HealthCare.gov?
No. We are an independent licensed Florida insurance agency and are not affiliated with the government, Medicare, or HealthCare.gov. We help you compare and enroll in plans from multiple carriers.
Will my information be sold to other companies?
No. Your information is used only to help a licensed agent prepare your quote and is never sold to third parties.
Do you offer plans from more than one company?
Yes. Because we're an independent agency, we compare plans from multiple top Florida carriers to find the best fit for your needs and budget - not just one company's products.
Every page here is written and reviewed by a licensed Florida agent
Brad S. and the team at United Liberty Insurance Agency LLC help Floridians compare ACA marketplace and Medicare plans every day. What we publish comes from real enrollments and official sources (HealthCare.gov, CMS, KFF), and it is updated when carriers, rates, or federal rules change.
Florida license L123832 · Not affiliated with the government or HealthCare.gov