ACA Health Insurance in Florida: Marketplace Plans & Subsidies
Residents of Florida can access affordable health insurance through HealthCare.gov. Thanks to the Affordable Care Act (ACA), most families qualify for subsidies that significantly lower monthly premiums.
📍 Florida Health Insurance Fast Facts
How Health Plans Work in Florida
When you shop on HealthCare.gov, you'll see plans organized by "Metal Levels" (Bronze, Silver, Gold). In Florida, specific options will vary by your zip code. For example, a Silver plan in Miami might be offered by Florida Blue, while a similar plan in a rural county might be from a different provider.
Key takeaway for Florida residents: Don't just look at the premium. Check the provider network to ensure your preferred doctors and local hospitals are covered.
🏥Florida Medicaid (Medicaid)
Florida has not expanded Medicaid, creating a significant coverage gap for low-income adults. Florida Medicaid primarily covers: children, pregnant women, parents with very low incomes (approximately 26% FPL for parents), elderly and disabled individuals. Adults without children generally cannot qualify for Florida Medicaid regardless of income. Florida KidCare/CHIP covers children up to 200% FPL.
⚠️Important: Medicaid Coverage Gap
CRITICAL: Florida did not expand Medicaid. Adults earning less than 100% of the Federal Poverty Level who don't qualify for traditional Medicaid may not qualify for ACA subsidies either. This 'coverage gap' affects hundreds of thousands of Floridians. Options include: community health centers, hospital charity care, free clinics, and the Florida Breast and Cervical Cancer Early Detection Program for eligible women.
💡Insurance Shopping Tips for Florida
- •Florida has excellent ACA marketplace competition—always compare all available plans, as pricing varies significantly
- •Oscar Health has expanded across Florida with user-friendly technology and competitive pricing
- •Florida Blue (Blue Cross) has the largest provider network in the state
- •Ambetter and Molina often offer the lowest-premium options but have narrower networks
- •Enhanced ACA subsidies mean many Floridians qualify for $0 or very low-cost Bronze plans
🏛️Unique Healthcare Programs in Florida
Florida KidCare: Comprehensive children's health coverage including MediKids, Florida Healthy Kids, and CHIP
Medically Needy Program: Allows spend-down for those with high medical expenses
Florida Health Care Coalition: Purchasing alliance for small businesses
Florida Breast and Cervical Cancer Program: Free screenings for eligible women
Jackson Health System (Miami): One of the nation's largest safety-net hospital systems
Important note
Marketplace (ACA) eligibility and premium tax credits depend on your household size, income, ages, ZIP code, and the plan you choose. Rules and plan pricing can change over time.
Use this page to understand the basics for Florida. For your exact eligibility and final monthly premium, confirm on the official marketplace.
Important Note for Florida
Florida uses federal marketplace. Did not expand Medicaid. Limited state-specific subsidies.
Frequently Asked Questions
How do ACA subsidies work in Florida?
Premium tax credits can reduce monthly premiums for Marketplace plans. Eligibility and amounts depend on household size, income, ages, ZIP code, and plan selection. Confirm specific results on the official marketplace.
Is "HealthCare.gov" the official site for Florida?
Yes, for Florida, you should use **HealthCare.gov** to apply for coverage and subsidies. Using third-party sites might result in extra fees or missing out on tax credits.
When is Open Enrollment?
In most states, Open Enrollment typically runs from Nov 1 to Jan 15. Some state marketplaces may have different deadlines.
What carriers offer plans in my area?
Major carriers in Florida often include Florida Blue, Oscar, Ambetter. Availability varies by ZIP code, so residents in Miami might have different options than those in Tampa.
Do ACA plans cover pre-existing conditions?
Yes. ACA-compliant plans cannot deny coverage or charge more due to pre-existing conditions like diabetes, cancer, or pregnancy.
Sources & Disclaimer
Last Updated: January 2026
Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.