Florida open enrollment 2027 Open enrollment · Florida

Florida Open Enrollment 2027 for Early Retirees

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

Short answer

For early retirees under 65 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. A private, medically underwritten plan does not depend on the window: if approved, it can start the first of any month, including the month after your last day of work.

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.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple. Pension income and withdrawals from pre-tax retirement accounts generally count toward it, and Marketplace prices for the oldest adults can run up to three times those for a 21-year-old, so the early sixties are the costliest years to land just over the line. General information, not tax advice — confirm with your CPA based on your specific entity structure.

Florida this year

Florida runs the largest Marketplace in the country, and plenty of its shoppers are people who left work early and have years to go until they turn 65. The finalized 2027 increase averages about 10.4 percent, below the national figure, but for retirees aged 60 to 64 the bigger question is the subsidy line. Above $86,560 in household earnings, a pair pays the whole premium, and age-based pricing already puts them near the top. Choices vary sharply between counties such as Hillsborough, Miami-Dade and the rural Panhandle. I am based in Tampa and review these renewals by phone or video.

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. Federal COBRA normally lasts 18 months, so it rarely covers the whole stretch to 65 on its own.

One thing to do before you choose

Retirees leaving a Florida company that had fewer than 20 employees may be able to use the state continuation act to keep that group plan up to a year and a half, at up to 115 percent of the premium, but you must notify the insurer in writing within 63 days. Compare that cost to a 2027 Marketplace plan now, and choose by December 15 if you want new coverage in place on January 1.

Your checklist

Which accounts you will draw from in 2027
Networks where you live, in and outside Florida
Your prescriptions on each drug list
The month you turn 65

Private plan or Marketplace?

Private plan

Healthy, with withdrawals above the line: priced on age, ZIP code and health, not your retirement income. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

An ongoing condition, or income you can keep under the line: HealthCare.gov must accept you, and near 65 the subsidy can be large.

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.

We live in Sarasota but spend summers up north with family. Should our plan reach both places?

If you expect routine care in both places, it is worth checking closely. Many Florida Marketplace plans are HMOs tied to one regional hospital system, which can limit what is covered away from home. I can compare the network reach of each option, including private plans that need underwriting approval and price by health.

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.