Florida open enrollment 2027 Open enrollment · Florida

Florida Open Enrollment 2027 for People Between Jobs

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For people between jobs in Florida, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. If you are healthy, a private, medically underwritten plan is another route that ignores the calendar: if approved, it can start the first of any month, right after your job coverage ends.

What 2027 looks like for you

Florida's average 2027 rate change is 10.4% (finalized). The details are on the Florida 2027 premium increase page.

Losing job-based coverage opens a 60-day special enrollment period, and open enrollment runs at the same time this fall, so most people between jobs have two doors open at once. Federal COBRA, where it applies, lasts up to 18 months at up to 102% of the full premium. Any Marketplace subsidy depends on your 2027 household income, with the line at $63,840 for one person and $86,560 for two.

Florida this year

Florida's approved 2027 increase averages about 10.4 percent, under the national figure, but it follows a year in which many households already lost their larger subsidies. Floridians between jobs in Miami, Tampa Bay or Orlando usually weigh three paths. Workers leaving a company that employs fewer than 20 people can use the state's Health Insurance Coverage Continuation Act for as long as 18 months, paying as much as 115 percent of the premium, after notifying the insurer in writing within 63 days. Larger employers offer federal COBRA instead. The third path is a HealthCare.gov plan, plus private plans for healthy applicants.

State continuation 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.

One thing to do before you choose

Florida's state continuation can cost up to 115 percent of the premium, more than federal COBRA's 102 percent ceiling. Before you send the written notice, price a Marketplace plan in your county using expected 2027 income. A real estate agent or hospitality worker whose earnings drop after a layoff may find the subsidized price well under the continuation bill.

Your checklist

The exact date your job coverage ends, in writing
Your COBRA notice and its election deadline
Severance and final pay in your 2027 income estimate
A private quote while COBRA is still in reserve

Private plan or Marketplace?

Private plan

Healthy and between roles: priced on age, ZIP code and health, with COBRA kept in reserve. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a year of lower income: HealthCare.gov must accept you within the 60-day window or during open enrollment.

Compare Florida plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Florida. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Florida?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

Does the Florida 63-day deadline mean I have 63 days to enroll in a Marketplace plan?

No, those are separate clocks. The 63 days is for telling the insurer in writing that you want Florida state continuation. Losing job-based coverage separately starts a 60-day window to enroll through HealthCare.gov, and open enrollment lasts until January 15, 2027, with December 15 as the cutoff for a January 1 start.

Can I get a private plan in Florida after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Florida

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. 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.