Quick answer
In 2026, the benchmark silver marketplace plan for a 40-year-old in Florida averaged $683 a month before subsidies, above the U.S. average of $625. Very few Floridians pay that much: 95% of 2026 marketplace enrollees got a premium tax credit, and the average enrollee paid about $106 a month after subsidies. Insurers have proposed an average increase of about 16% for 2027.
Key takeaways
- Florida had the most marketplace sign-ups of any state in 2026: about 4.54 million.
- Full-price premiums depend on age: roughly $534 a month at 21 and $1,450 at 60 for the benchmark plan.
- 34% of Florida enrollees paid less than $10 a month after subsidies in 2026.
- Florida hasn’t expanded Medicaid, so adults below the poverty level often can’t get help.
- Cigna is leaving Florida’s marketplace for 2027, so its members need to pick a new plan. See what to do if your insurance company leaves the Marketplace.
On this page
What a Florida marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $534 |
| 30 | $607 |
| 40 | $683 |
| 50 | $954 |
| 60 | $1,450 |
| 64 | $1,603 |
| Child under 15 | $409 |
A family of four with two 40-year-old parents and two young children would pay about $2,184 a month for benchmark plans before subsidies. Bronze plans cost less and gold plans more; see bronze, silver, gold and platinum plans. For more on family costs, see how much health insurance costs for a family of 4.
What you’d pay after a tax credit
If your household income is between 100% and 400% of the federal poverty level, a premium tax credit caps what you pay for the benchmark plan at a share of your income. For example, a single 40-year-old in Florida earning $40,000 would pay about $287 a month for the benchmark plan in 2026, with a tax credit of about $396 covering the rest. Choosing a cheaper bronze plan could bring the cost much lower.
Above 400% of the poverty level ($62,600 for one person for 2026 coverage), there’s no tax credit, so you’d pay the full price. The enhanced subsidies that removed that limit expired at the end of 2025.
Florida marketplace facts
- Enrollment: About 4.54 million Floridians picked a marketplace plan for 2026, down about 4% from 2025.
- Insurers: 16 companies offered plans in 2026. For 2027, Cigna is leaving, and Sunshine State Health Plan members are moving to Ambetter.
- 2027 prices: Insurers proposed increases averaging about 16% before subsidies.
- Medicaid: Florida hasn’t expanded Medicaid, so many adults with incomes below the poverty level fall into a coverage gap. Children can get coverage through Florida KidCare; see health insurance for children and health insurance for low-income families.
Costs beyond the premium
Your total cost also depends on your deductible, copays and coinsurance, up to your plan’s out-of-pocket maximum: no more than $10,600 for one person in 2026 and $12,000 in 2027. If your income is under 250% of the poverty level, a silver plan’s cost-sharing reductions lower those costs.
Other options in Florida
- Job-based coverage, often the cheapest route if it’s offered.
- Florida KidCare for children, including Medicaid and CHIP.
- Medicare at 65.
- Short-term health insurance, which costs less but can refuse to cover pre-existing conditions and leave out major benefits.
Health insurance costs in nearby states: Georgia and Alabama. You can also compare health insurance costs in every state.
See 2027 plans and prices in your Florida county: compare quotes by ZIP code.
Frequently asked questions
What’s the average cost of health insurance in Florida?
Before subsidies, the 2026 benchmark silver plan for a 40-year-old averaged $683 a month. After subsidies, the average Florida enrollee paid about $106 a month.
When can I sign up for 2027 coverage in Florida?
Open enrollment on HealthCare.gov runs from November 1, 2026 to January 15, 2027. Sign up by December 15 for coverage starting January 1.
Why is health insurance so expensive in Florida?
Premiums reflect local medical prices and how much care enrollees use; see how health insurance rates are determined. Most Florida enrollees get tax credits, which offset much of the price.
Sources
This article is general information, not insurance or tax advice. Prices are averages and estimates; your actual premium depends on your county, age, income and plan. Last reviewed September 2026.