Private health insurance in Florida
The real 2026–2027 numbers for Florida, who qualifies for help, and when a private, medically-underwritten plan beats paying full Marketplace price — explained honestly by an agent licensed in Florida.
The Florida marketplace in 2026
Florida shops on HealthCare.gov and consistently runs the biggest ACA market in the nation. Sixteen carriers offer 2026 plans — but the churn is real: Aetna exited the Florida market at the end of 2025, displacing roughly 150,000 enrollees. The 2026 benchmark averages $683 a month for a 40-year-old, with insurers filing an average 15.9% increase for 2027 — a projected $792.
Florida has not expanded Medicaid, so adults below the poverty level can land in the coverage gap, and the state’s large population of retirees-before-65, seasonal workers, and self-employed households above the subsidy cliff pays the Marketplace’s full price. This is our home state — Care Collective Advisors is based in Florida — and it’s where we see the cliff problem daily.
Where private plans fit in Florida
Florida is our home turf. Early retirees bridging to Medicare, 1099 realtors and charter captains, snowbird households with income that clears the cliff — the state is full of people the Marketplace prices at full freight. If you’re healthy, a medically-underwritten private plan is usually worth a 15-minute comparison before you auto-renew.
The honest tradeoff, same as everywhere: private plans use medical underwriting. They price on your age and health, which is exactly why healthy applicants often pay less — and why they are the wrong answer if you manage an ongoing condition, take costly prescriptions, are pregnant, or are mid-treatment. In those cases guaranteed-issue ACA coverage protects you in ways no underwritten plan can, and we will tell you so on the first call. Run your own subsidy numbers with our 2027 subsidy calculator or see how Florida compares on the state premium map.
Christopher “Austin” Olivier is licensed in Florida under NPN #21299672. Check it against state records through the Florida Department of Financial Services — official license lookup ↗ — or view every state license on our About page.
Florida questions we hear most
Florida's published 2026 benchmark premium averages $683 a month for a single 40-year-old before any credit (KFF), and insurers filed an average 15.9% increase for 2027 - among the steeper filings in the country. If you're over the subsidy cliff, that's your starting sticker price. Healthy applicants often land lower with private underwritten coverage; we quote both honestly.
Through HealthCare.gov - Florida uses the federal marketplace. Open enrollment for 2027 opens November 1, 2026. If Aetna's exit displaced your plan, you have options - that's a re-shop, not an auto-renew.
No. Florida hasn't adopted expansion, so adults below the poverty line can fall into a coverage gap with no Medicaid and no subsidy. Income near that line deserves a careful check before you assume either way.
Yes - Florida is our home state. Christopher A. Olivier holds a Florida 2-15 license (NPN #21299672), verifiable through the Florida Department of Financial Services licensee search at licenseesearch.fldfs.com, and the certificate is posted on this page.
See your real Florida options
Free 15-minute comparison with a Florida-licensed advisor. No pressure, no obligation — and if the Marketplace is your better deal, we’ll say so.
Sources: KFF benchmark premium data ↗; healthinsurance.org Florida marketplace guide ↗; CMS state marketplace list ↗; KFF Medicaid expansion tracker ↗. Educational content, not a quote or offer of coverage. Private plans are medically underwritten and typically exclude pre-existing conditions.