Florida Health Insurance 2026
Your complete guide to health insurance options in Florida — Medicaid eligibility, ACA Marketplace plans, enrollment deadlines, and key resources.
Florida at a Glance
What You Need to Know
- →Florida has NOT expanded Medicaid — most childless adults do not qualify
- →Florida consistently has one of the highest ACA Marketplace enrollment rates in the US
- →No state individual mandate — no penalty for being uninsured
- →Florida residents are eligible for federal ACA subsidies through healthcare.gov
How to Enroll
Frequently Asked Questions
Can I get Medicaid in Florida if I'm an adult without children?
Generally, no. Florida has not expanded Medicaid under the ACA. Childless adults typically do not qualify for Florida Medicaid regardless of income. Parents may qualify at very low income levels. If your income is above 100% FPL, the ACA Marketplace with subsidies is your main option.
How do Floridians enroll in health insurance?
Florida uses the federal marketplace at healthcare.gov. Open Enrollment runs November 1 through January 15. Florida typically has one of the highest enrollment rates in the country — millions of Floridians receive subsidized Marketplace coverage each year.
Is health insurance cheaper in Florida?
Premiums vary by county, age, plan type, and income. Florida has many insurers competing on the Marketplace, which can keep premiums competitive. Enhanced federal subsidies (through 2025 legislation) mean many Floridians qualify for plans under $50/month or even $0/month depending on income.