Florida open enrollment 2027 Open enrollment · Florida

Florida Open Enrollment 2027 for Families

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

Short answer

For families buying their own coverage 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 for the household does not wait for the window either: if approved, it can start the first of any month.

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.

The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Florida parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.

Florida this year

Florida has more people buying their own coverage than any other state, and the finalized 2027 average increase is about 10.4 percent, below the national average. For many families, though, the rate change is not the number that hurts. The larger subsidies ended in 2026, the 400 percent line stays in place for 2027, and a family of four above $132,000 in Tampa Bay or Orlando pays every dollar of the premium plus the increase. Plan choices shift sharply from Hillsborough to Miami-Dade to the rural Panhandle. On HealthCare.gov the window closes January 15, though families wanting coverage on New Year's Day must finish by December 15.

One thing to do before you choose

Many Florida plans are local HMOs or EPOs, so check where your children can actually be seen. If the kids spend summers with grandparents up north or you travel often, confirm how the plan handles care outside your county and outside the state. I am based in Tampa and review Florida renewals by phone or video every November, in English or Spanish, so we can weigh Marketplace and private family options together.

Your checklist

Each family member's doctors and the children's hospital you use
The family deductible and out-of-pocket maximum
Household income against your household-size line
Planned 2027 care: a pregnancy, braces or surgery

Private plan or Marketplace?

Private plan

Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care for a child or parent, or income under the line: HealthCare.gov accepts everyone, and the subsidy grows with household size.

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 are a Tampa family with four kids. Are all four priced on a Marketplace plan?

No. A Marketplace plan stops charging after the third child under 21, so a fourth child that age adds nothing to that premium. Private plans work differently: every family member is rated by age, health and ZIP code, and the insurer must approve the application, which is why large families should see both before choosing.

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.