Written and reviewed by Emily Daza, licensed health insurance advisor, NPN 21284721 · Updated October 16, 2026
How much is health insurance in Florida per month?
For 2026, the average benchmark silver plan in Florida cost $683 a month for a 40-year-old before subsidies, up from $515 in 2025. The cheapest bronze plan averaged $505. Your price depends on your age, county, tobacco use, plan tier and income. Above about $63,840 a year for a single adult there's no subsidy, and a healthy person may pay less with a private PPO plan. Source: KFF
Why Florida health insurance prices feel out of reach
- Your renewal notice came in far higher than last year, for the same plan and the same doctors.
- You earn a little too much for a subsidy, so you see the full sticker price.
- You're self-employed and your income moves around, so you can't tell what you'll qualify for.
- Your insurer is leaving Florida's Marketplace for 2027 and you have to pick something new.
- Bronze, silver, gold: the monthly price is clear, but what you'd spend in a year isn't.
- Online quotes never tell you whether your doctors are in the network.
How Emily helps you find your real price
- Quotes for your age and ZIP. Private PPO prices for your household, not a national average.
- Total yearly cost, not just the premium. Premium plus deductible and out-of-pocket maximum, so you compare what you'd actually spend.
- Doctors and prescriptions checked first. Before you apply, so there are no surprises at the pharmacy counter.
- Honest about ACA plans. Emily only sells private PPO plans. If your income qualifies you for a subsidy or you have a health condition, she'll tell you and point you to HealthCare.gov. Private vs ACA, explained.
- Health questions explained up front. Private plans ask about your health; you'll know what that means before you apply.
- A fresh look every year. In English or Spanish, before each renewal. Open Enrollment dates.
Why did Florida premiums jump for 2026?
Two things happened at once: insurers raised rates, and the enhanced federal tax credits that had been lowering Marketplace premiums expired after 2025. KFF's state data shows the average Florida benchmark silver premium for a 40-year-old rose from $515 a month in 2025 to $683 in 2026. The cheapest bronze went from $394 to $505. Florida now sits above the national benchmark average of $625. Source: KFF
The jump showed up in what people actually pay. KFF found that net premium payments rose 58% on average once the enhanced credits ended, and deductibles rose 37%, more than $1,000 per person. Paid enrollment fell 13% nationally, to 19.2 million people by February 2026. Source: KFF, June 2026
No state feels this more than Florida. It had 4,538,772 Marketplace plan selections for 2026, more than any other state. Source: CMS
What's changing for Florida health insurance in 2027?
Insurers have filed their 2027 rates. According to ACASignups' tally of the filings, the proposed increases for Florida's individual market average 15.3%, ranging from 3.9% to 39.1% depending on the insurer. That is an unweighted average of proposed rates, not final ones: it doesn't account for how many people each insurer covers, and Florida's Office of Insurance Regulation can still change them. Source: ACASignups
Three insurers are also leaving Florida's individual market for 2027: Cigna, Molina and Sunshine State Health Plan. If you're with one of them, you'll need a new plan, and your doctors may not be in it.
Where you live matters too. In 2025, the cheapest bronze plan for a 30-year-old ranged from about $426 a month in Leon County to $764 in Monroe County. Source: Salusion, 2025 data
ACA open enrollment for 2027 starts November 1 (see the dates). Private PPO plans don't follow that calendar: you can often apply any time of year, subject to approval.
Who pays full price in Florida, and what can they do?
Premium tax credits on Marketplace plans now stop at 400% of the federal poverty level. The 2026 guideline is $15,960 for one person, so that line sits at $63,840 a year for a single adult. Source: HHS ASPE Earn above it and you pay the whole premium: the averages above, or more if you're older.
Compare that with a job-based plan. In 2025 the average employer plan cost $9,325 a year for single coverage and $26,993 for a family, and workers paid only $1,440 and $6,850 of it. Source: KFF Employer Health Benefits Survey When you leave the job, the whole bill is yours. Losing employer coverage.
This is where a private PPO can make sense. Private plans price you on age and health answers, not income, so a healthy person above the subsidy line may get a lower rate and a national network. They can limit or exclude pre-existing conditions, so they aren't for everyone. When an ACA plan fits better, Emily says so.
ACA Marketplace vs private PPO: what sets the price?
Neither option is cheaper for everyone. The difference is what the price is based on, and what you give up.
| ACA Marketplace plan | Private PPO plan | |
|---|---|---|
| Price based on | Age, county, tobacco use and plan tier | Age, location and your answers to health questions |
| Income-based subsidy | Possible, if your income qualifies | No |
| Pre-existing conditions | Always covered | May be limited or excluded |
| Network | Varies by plan (HMO, EPO or PPO) | Many plans include national PPO networks |
| When you can enroll | Open enrollment from Nov 1, or a qualifying life event | Often any time of year, subject to approval |
| Who helps you | HealthCare.gov or a Marketplace navigator | Emily quotes and enrolls these |
How it works
- Ten-minute call or form. Your ZIP, everyone's ages, your doctors and what you pay now.
- Emily checks the fit. Income, health questions and doctors, so she knows whether a private PPO or an ACA plan makes more sense.
- Side-by-side numbers. Monthly premium and yearly cost for each private option, in English or Spanish.
- Enroll, then review every year. Emily stays your contact and re-checks your price at each renewal.
Who is behind these numbers?
- Emily Daza, licensed health insurance advisor, NPN 21284721, licensed in 31+ states.
- Rated 5.0 on Google by real clients.
- $2.3M+ in sales and all 4 Hope Awards, leading a team of 8.
- Born in Colombia and fluent in Spanish, working from Plantation, FL.
Keep exploring
- Coverage: Individual plans · Family plans · Self-employed · Retiring before 65
- Guides: Private vs ACA · Open Enrollment · FAQ · All guides
- More articles: Health insurance for 1099 workers · Is a broker free? · PPO vs HMO in Florida
- Near you: Plantation · Fort Lauderdale · Miami · Broward County · En español
