Florida Open Enrollment for 2027 Coverage
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
Open enrollment for 2027 coverage in Florida runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1; plans picked December 16–January 15 start February 1. Private, medically underwritten plans don't use the window: if approved, they can start the first of any month.
Key dates for Florida
| What | HealthCare.gov |
|---|---|
| Open enrollment opens | November 1, 2026 |
| Open enrollment closes | January 15, 2027 |
| Deadline for a January 1, 2027 start | December 15, 2026 |
| Plans picked December 16 to January 15 | Start February 1, 2027 |
| Private plans | Any month, if approved |
Florida at a glance
- Where Florida buys Marketplace plans: HealthCare.gov, the federal Marketplace
- 2027 average rate change: 10.4% (finalized)
- Small-group average change: about 11.4%
- Largest metro areas: Miami–Fort Lauderdale–West Palm Beach, Tampa Bay, Orlando and Jacksonville
- Medicaid expansion: No
What changed for 2027
Florida's 10.4 percent is finalized and below the national average of about 15 percent, but it lands on households that already lost their enhanced subsidies in 2026. Small-group plans rise about 11.4 percent, so Florida employers see a similar change. More detail is on the Florida 2027 premium increase page.
For Florida households buying 2027 coverage, the Marketplace premium tax credit stops at 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. The repayment caps were removed starting with tax year 2026, so any excess advance credit is repaid in full on Form 8962. General information, not tax advice — confirm with your CPA based on your specific entity structure.
Who this year's window matters for in Florida
Florida has the largest Marketplace in the country, and it lost hundreds of thousands of enrollees in 2026 after the enhanced subsidies ended. The 2027 average increase is about 10.4 percent, but for a Tampa Bay or Orlando household just above the subsidy line, the real number is the full premium with that increase on top. I am based in Tampa, so Florida renewals are the ones I review most every November, by phone or video.
Self-employed work that is common in Florida, and the people I most often help there: real estate agents, construction trades, charter captains and marine trades, truck drivers working the ports and I-4 corridor, hospitality and tourism gig workers, and early retirees under 65 who moved here from the Northeast and Midwest.
Before you renew in Florida
Before you renew in Florida, check two things that trip up Tampa Bay clients every year: whether your plan's network still includes your doctors in your county, and whether it covers care when you travel. Many Florida plans are local HMOs or EPOs. If you spend summers up north or have family in another state, a broader network may matter more than a small premium difference.
Should you renew, switch, or look at private?
Auto-renew risk
Do nothing and HealthCare.gov re-enrolls you at the new 2027 price, 10.4% higher on average in Florida.
Healthy, income above the line
Price a private plan in Florida too. If approved, it can start the first of any month, with no wait for Florida's window.
Health conditions or subsidy-eligible income
Use the Marketplace. HealthCare.gov plans can't decline you or charge more for your health.
Checklist before you pick a plan
- Your Florida renewal notice
- The new 2027 premium and deductible
- Doctors and prescriptions still in network, including any care in Miami–Fort Lauderdale–West Palm Beach or Tampa Bay
- Your 2027 income estimate
Missed it?
After Florida's window closes, a Marketplace plan needs a special enrollment event: losing other coverage, a move, marriage or a baby, generally within 60 days, through HealthCare.gov. Check with Can I enroll now? or the missed open enrollment guide.
Leaving a job in Florida? If you leave an employer with fewer than 20 employees, Florida's Health Insurance Coverage Continuation Act lets you keep the group plan for up to 18 months, at up to 115 percent of the premium, if you notify the insurer in writing within 63 days.
Short-term plans, if you only need a bridge: Florida law allows short-term plans with an initial term under 12 months and up to 36 months in total, and federal agencies are not prioritizing enforcement of the federal four-month limit, so multi-month plans are sold in Florida. They are not Marketplace coverage.
In Florida, a private, medically underwritten plan needs no event. If approved, it starts the first of a month; approval is not guaranteed.
Compare Florida plans before you renew
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
About your broker
Frank Caballero (NPN 21032307) is a health insurance broker licensed in 31 states including Florida. Phone or video, English or Spanish, no fee. BBB Accredited (A) and rated 4.9 on Google from 78 reviews. He is independent, not HealthCare.gov or a government agency.
Florida open enrollment questions
When does open enrollment end in Florida for 2027?
January 15, 2027, on HealthCare.gov, the federal Marketplace. Pick a plan by December 15 for a January 1 start in Florida.
What happens if I miss the December 15 deadline in Florida?
You can still enroll through January 15, but a plan picked after December 15 starts February 1.
Can I get a private plan in Florida outside open enrollment?
Yes. In Florida you can apply in any month, and if approved, a private, medically underwritten plan starts the first of a month; the insurer can decline based on health.
Will I be auto-renewed in Florida?
Usually, at the 2027 price: 10.4% higher on average.
Is there a fee to use a broker in Florida?
No. Florida clients pay nothing; the insurance company pays the broker, and Marketplace premiums are the same with or without one.
Do Tampa Bay residents see different plans than Miami or Jacksonville?
Often, yes. Florida plan lineups and networks vary enormously by county, so the same decision can come out differently in Hillsborough, Miami-Dade, Duval and the Panhandle. Compare by ZIP code, and check that your doctors are in network before you renew.
More for Florida
Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. HealthCare.gov is the federal Marketplace. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.
Written by Frank Caballero, licensed health insurance broker in Florida and 30 other states, NPN 21032307. Last updated November 3, 2026.