Health insurance in Polk County, Florida
7 insurers sell 159 marketplace plans here, and 13.7% 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.
7 insurers competing here
7 insurers sell in Polk County — 159 plans in total, around 23 each. Few people compare 159 plans properly without help. Each insurer averages about 23 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
13.7% of Polk County's 666,818 under-65 residents have no health coverage — 91,440 people. That is close to the Florida rate of 13.7%, and puts Polk County in the top quarter of the 1,817 counties on this site (452nd).
Some of those 91,440 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
126,521 Polk County residents selected a marketplace plan for 2026: 190 per thousand under-65 residents, 159th of 1,817. That is 2.4× the 78 per thousand typical here. 19,974 of them — 16% — were new rather than renewing.
Polk County against Florida
Polk County is the 8th largest of the 32 Florida counties we publish. Its uninsured rate tracks the state almost exactly and its 7 insurers sit between the state's 1 and 13. Marketplace use is well under the Florida rate.
| Polk County | Florida | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 13.7% | 13.7% | 9.9% |
| Insurers selling | 7 | 1–13 | 4 |
| Plans offered | 159 | — | 57 |
| Selections per 1,000 | 190 | 254 | 78 |
| New rather than renewing | 16% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Pinellas County | 694,820 | 12.2% | 7 | 149 |
| Lee County | 602,881 | 16.8% | 6 | 132 |
| Pasco County | 513,364 | 11.6% | 9 | 173 |
| Brevard County | 491,895 | 12.2% | 8 | 152 |
| Miami-Dade County | 2,290,660 | 15.3% | 12 | 189 |
Miami-Dade County has 12 insurers against this county's 7 — a reminder that the county line, not the state line, is what decides your options.
Other Florida counties · Where the subsidy stops · Enrollment dates