OEP 2027 · Florida
ACA marketplace plans in Florida
Carriers, Open Enrollment dates, Medicaid expansion status, CHIP eligibility, and signup history for Florida. Data last updated 2026-06-08.
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2027 premiums by county
Florida 2027 Silver plans — illustrative after-subsidy costs by county
The Florida Office of Insurance Regulation (OIR) published its 2027 individual-market tables on October 16, 2026. The table below compares illustrative monthly household costs after the federal subsidy for an average Silver plan, sorted by the largest percentage increase in net cost.
These percentages are changes in after-subsidy costs, not full-premium rate increases or your renewal rate. A household's share can rise much faster than the full premium when the subsidy does not keep pace. For example, Lafayette's illustrated family cost rises from $809 to $1,541 per month (+90.5%), while the full premium rises from $3,349 to $4,096 (+22.3%). In Manatee, the illustrated after-subsidy cost rises 29.0%, versus 8.8% for the full premium.
Not a like-for-like household or policy comparison: OIR uses different annual incomes in each year's examples: $85,000 in 2026 versus $87,000 in 2027 for a family of four (two adults age 40 and two children age 10), and $35,000 versus $36,000 for a single individual. These are county market averages, not a quote for the same plan or a prediction of what an individual household will pay.
| County | 2026 net /mo | 2027 net /mo | Net-cost change |
|---|---|---|---|
| Lafayette | $809 | $1,541 | +90.5% |
| Washington | $804 | $1,375 | +71.0% |
| Putnam | $1,384 | $2,315 | +67.3% |
| Jackson | $1,040 | $1,722 | +65.6% |
| Gilchrist | $1,426 | $2,359 | +65.4% |
| Holmes | $1,132 | $1,854 | +63.8% |
| Dixie | $1,450 | $2,349 | +62.0% |
| Okeechobee | $1,651 | $2,622 | +58.8% |
| Bradford | $1,317 | $2,008 | +52.5% |
| Franklin | $1,090 | $1,654 | +51.7% |
| Desoto | $1,001 | $1,518 | +51.6% |
| Alachua | $1,174 | $1,776 | +51.3% |
| Bay | $685 | $1,028 | +50.1% |
| Gadsden | $1,194 | $1,785 | +49.5% |
| Taylor | $954 | $1,393 | +46.0% |
| Escambia | $761 | $1,111 | +46.0% |
| Jefferson | $1,391 | $2,004 | +44.1% |
| Union | $1,243 | $1,769 | +42.3% |
| Liberty | $1,071 | $1,513 | +41.3% |
| Hardee | $1,026 | $1,434 | +39.8% |
| Nassau | $1,640 | $2,287 | +39.5% |
| Madison | $1,099 | $1,520 | +38.3% |
| Calhoun | $1,145 | $1,577 | +37.7% |
| Wakulla | $1,373 | $1,879 | +36.9% |
| Walton | $788 | $1,068 | +35.5% |
| Okaloosa | $772 | $1,023 | +32.5% |
| Gulf | $705 | $931 | +32.1% |
| Flagler | $1,204 | $1,577 | +31.0% |
| St. Lucie | $1,009 | $1,316 | +30.4% |
| Duval | $869 | $1,133 | +30.4% |
| Leon | $1,244 | $1,619 | +30.1% |
| Citrus | $651 | $843 | +29.5% |
| Manatee | $770 | $993 | +29.0% |
| Sarasota | $711 | $916 | +28.8% |
| Charlotte | $670 | $858 | +28.1% |
| Volusia | $1,068 | $1,365 | +27.8% |
| St. Johns | $784 | $971 | +23.9% |
| Pasco | $879 | $1,074 | +22.2% |
| Osceola | $1,002 | $1,195 | +19.3% |
| Miami-Dade | $1,027 | $1,219 | +18.7% |
| Marion | $810 | $954 | +17.8% |
| Orange | $901 | $1,061 | +17.8% |
| Baker | $910 | $1,061 | +16.6% |
| Hamilton | $504 | $582 | +15.5% |
| Santa Rosa | $820 | $940 | +14.6% |
| Brevard | $1,220 | $1,394 | +14.3% |
| Hillsborough | $938 | $1,069 | +14.0% |
| Columbia | $926 | $1,051 | +13.5% |
| Hernando | $720 | $815 | +13.2% |
| Highlands | $1,228 | $1,386 | +12.9% |
| Sumter | $672 | $758 | +12.8% |
| Martin | $838 | $925 | +10.4% |
| Polk | $963 | $1,056 | +9.7% |
| Lake | $879 | $959 | +9.1% |
| Clay | $906 | $987 | +8.9% |
| Seminole | $1,012 | $1,094 | +8.1% |
| Pinellas | $931 | $1,006 | +8.1% |
| Monroe | $628 | $670 | +6.7% |
| Lee | $1,037 | $1,076 | +3.8% |
| Indian River | $1,066 | $1,085 | +1.8% |
| Hendry | $812 | $820 | +1.0% |
| Broward | $962 | $959 | -0.3% |
| Glades | $1,373 | $1,360 | -0.9% |
| Palm Beach | $894 | $884 | -1.1% |
| Collier | $1,114 | $1,044 | -6.3% |
| Levy | $1,517 | $1,164 | -23.3% |
| Suwannee | $1,428 | $1,086 | -23.9% |
OIR-reported 2027 carrier average changes (statewide individual market)
OIR reports a statewide weighted-average increase of 10.4% ($811 to $898 per person per month), based on actual 2026 enrollment. These carrier figures are separate from the after-subsidy county examples above and do not represent the percentage change for a single policyholder.
- AmeriHealth Caritas Florida+18.8%
- AvMed+10.7%
- Blue Cross and Blue Shield of Florida+18.8%
- Capital Health Plan+11.6%
- Centene Venture Company Florida+5.9%
- Community Care Network+7.8%
- Florida Health Care Plan+10.8%
- Health First Commercial Plans+18%
- Health Options+9.5%
- Oscar Health (HMO of Florida)+10.3%
- Simply Healthcare Plans+17.4%
- UnitedHealthcare of Florida+25%
Source: Florida Office of Insurance Regulation — Federal Health Insurance, Plan Year 2027 tables (published Oct 16, 2026).
Illustrative only — subject to final federal review. OIR states that the county examples are for illustrative purposes only and are subject to change pending the final federal review of Qualified Health Plans. The statewide carrier data has not been reviewed or finalized by the U.S. Department of Health & Human Services and is also subject to change. Children may be eligible for other government-sponsored health coverage. Your actual premium and subsidy depend on your household, income, ages, location and selected plan. Visit HealthCare.gov for actual premium and subsidy amounts; this table is not a personalized quote or guarantee of coverage or savings.
Open Enrollment window
For plan year 2027, residents of Florida can enroll in marketplace coverage from November 1, 2026 through January 15, 2027 at www.healthcare.gov.
Enroll by Dec 15, 2026 for Jan 1 coverage.
Missed Open Enrollment? You may qualify for a Special Enrollment Period after a qualifying life event such as losing other coverage, marriage, or a household income change.
Deep dive into Florida
Florida ACA subsidies & income limits
2026 FPL tables and premium tax credit eligibility.
Florida Open Enrollment dates
Exact OEP dates, deadlines, and SEP rules.
Florida Medicaid & CHIP
Expansion status, CHIP income limits, how to apply.
All Florida counties
County-by-county ACA marketplace pages.
Carriers in Florida for OEP 2027
Carrier lists shown below are current marketplace participants and a strong indicator of who will offer plans in Florida for 2027. Final OEP 2027 filings are confirmed in summer 2026.
- 22 Health
- Ambetter Health
- AmeriHealth Caritas Next
- AvMed
- Capital Health Plan
- Cigna HealthCare of Florida, Inc.
- Cigna Healthcare
- Florida Blue (BlueCross BlueShield FL)
- Florida Blue HMO (a BlueCross BlueShield FL company)
- Florida Health Care Plans
- Health First Commercial Plans, Inc.
- Molina Healthcare
- Oscar Health Maintenance Organization of Florida
- UnitedHealthcare
- Wellpoint
CHIP & Medicaid for kids and pregnant women
Florida KidCare covers children in households up to 215% of the Federal Poverty Leveli. Pregnancy Medicaid coverage extends to 191% FPLi.
Enroll or check eligibility at www.floridakidcare.org · 1-888-540-5437.
See the full state-by-state CHIP table for context.
Recent signup history
| Plan year | Plan selections in Florida |
|---|---|
| 2022 | 2,724,324 |
| 2023 | 3,221,993 |
| 2024 | 4,220,239 |
| 2025 | 4,735,415 |
Source: CMS OEP State-Level Public Use File.
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Sources
The information contained on this website is for educational purposes only. We are not responsible for missing or inaccurate information. Please consult a licensed insurance broker in your state and area for insurance advice. Please consult a CPA for tax or legal advice.