Health insurance in Florida

Reviewed September 4, 2026 · 2026 federal data

Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release. Figures cover the under-65 population.

Where you enroll

Florida uses the federally facilitated marketplace, so you enroll at HealthCare.gov on the federal calendar — the dates are here.

Florida has a coverage gap

Florida has not adopted the Medicaid expansion. That creates a specific and badly-known problem: the premium tax credit was written on the assumption that everyone below 100% of the poverty guideline would be covered by an expanded Medicaid, so the credit does not start until 100%. In a state that did not expand, an adult below that line qualifies for neither.

In practice that means an adult in Florida earning under $15,960 a year — roughly $1,330 a month — may be offered no help at all, while someone earning slightly more gets a substantial subsidy. It is the one part of this system where earning less can leave you worse off.

Florida's uninsured rate is 13.7% of under-65 residents, or 2,442,995 people. Some of them are in this gap.

Florida is several markets, not one

Florida is not one market. Its counties range from 1 insurer to 13 — a gap of 12. Someone at one end of the state is shopping in a genuinely different market from someone at the other, at the same age and the same income.

One county in Florida has just a single insurer selling on the exchange. There, the benchmark plan that sets the subsidy is whatever that one company decided to charge. Since the previous plan year, 26 counties in Florida gained an insurer and none lost one.

Heavy marketplace use

4,538,772 Florida residents selected a marketplace plan for 2026. Against the state's under-65 population that is 254 per thousand, well above the 26-state median of 79, and 1st highest of the 26 states on this site.

Of those, 725,149 — 16% — were new rather than renewing, which is a fairly typical mix of new and renewing enrollees (7th of 26).

The spread inside Florida

Miami-Dade County is the largest county we publish here, with 2,290,660 under-65 residents; Flagler County is the smallest, with 93,270. Miami-Dade County has 12 insurers offering 189 plans, and Flagler County has 6 offering 122.

The widest choice in Florida is in Broward County — 13 insurers, 197 plans. The narrowest is Okaloosa County, with 4 insurers and 106 plans. Same state, same rules, 91 more plans to choose from.

Uninsured rates range from 7.6% in St. Johns County to 16.8% in Lee County — 2.2 times as high, within one state.

The 34 largest counties in Florida

By under-65 population, covering 95% of the state's under-65 residents. Florida has 67 counties with complete federal data; we publish pages for the largest.

Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release. "Per 1,000" is marketplace plan selections per thousand under-65 residents.

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