Obamacare in Florida: ACA Marketplace plans

The federal Marketplace at HealthCare.gov. Florida does not run a state platform of its own, so the federal open enrollment calendar and the federal qualifying-event rules are the ones that apply to you.

For the 2026 coverage year our records list Ambetter, AvMed, Cigna, Molina, Oscar, United Healthcare and Wellpoint. We are independent agents, so the conversation starts with what your household needs rather than with one carrier.

It depends on the county, the exact plan, your age, your household size and the income you expect. The same plan in Miami-Dade and in Broward need not cost the same. The estimate on this page gives you a figure without asking for your contact details, and you can stop there if you want to.

Open enrollment for the coverage year has fixed dates, and outside them you need a qualifying event such as losing other coverage, moving, marrying or having a child. Confirm the exact dates with HealthCare.gov, because state Marketplaces do not always follow the federal calendar.

Cigna has said it will end its individual and family medical offerings for 2027, while its public page still allows eligible Special Enrollment for the rest of 2026. If you hold or are considering a Cigna plan in Florida, plan for that change now rather than expecting a renewal.