Health insurance in Charlotte County, Florida
4 insurers sell 110 marketplace plans here, and 12.6% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
Who sells here, and how much choice that gives
4 insurers sell marketplace plans in Charlotte County, offering 110 plans between them, roughly 28 each. Each insurer averages about 28 plans, so most of the choice here is between products from the same company rather than between companies. The number has not changed since the previous plan year.
How many people here have no coverage
12.6% of Charlotte County's 124,236 under-65 residents have no health coverage — 15,602 people. That is close to the Florida rate of 13.7%, and puts Charlotte County in the middle half of the 1,817 counties on this site (596th).
Some of those 15,602 are in the Florida coverage gap: under $15,960 a year, too little for a subsidy and no expanded Medicaid to fall back on.
The marketplace is used heavily here
27,087 Charlotte County residents selected a marketplace plan for 2026: 218 per thousand under-65 residents, 81st of 1,817. That is 2.8× the 78 per thousand typical here. 4,875 of them — 18% — were new rather than renewing.
Charlotte County against Florida
Charlotte County is the 28th largest of the 32 Florida counties we publish. Its uninsured rate runs 1.1 points lower than Florida overall and its 4 insurers sit between the state's 1 and 13. Marketplace use is close to the Florida rate.
| Charlotte County | Florida | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 12.6% | 13.7% | 9.9% |
| Insurers selling | 4 | 1–13 | 4 |
| Plans offered | 110 | — | 57 |
| Selections per 1,000 | 218 | 254 | 78 |
| New rather than renewing | 18% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Indian River County | 109,399 | 13.5% | 7 | 121 |
| Martin County | 109,234 | 14.6% | 7 | 134 |
| Citrus County | 107,005 | 13.7% | 4 | 106 |
| Flagler County | 93,270 | 11.6% | 6 | 122 |
Indian River County has 7 insurers against this county's 4 — a reminder that the county line, not the state line, is what decides your options.
Other Florida counties · Where the subsidy stops · Enrollment dates