Florida open enrollment 2027 Open enrollment · Florida

Florida Open Enrollment 2027 for Individuals

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

Short answer

For individuals and couples 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 works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

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; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Florida this year

Florida has the largest Marketplace in the country, and its finalized 2027 average rises about 10.4 percent, below the national figure. The bigger hit for many renters and gig workers came in 2026, when enhanced subsidies expired. Now someone single earning above $63,840, or a couple over $86,560, pays the full premium with this increase layered on. Floridians use HealthCare.gov, and plan choice swings from Hillsborough to Miami-Dade to rural Panhandle counties. Many plans here are local HMOs or EPOs, which can work well at home and poorly when you travel. I am based in Tampa.

One thing to do before you choose

If you are healthy, earn above the subsidy line and want coverage that travels, weigh a broader network option against your Florida HMO renewal. I can quote both by phone or video, in English or Spanish. Coverage that is medically underwritten is not an ACA Marketplace plan; acceptance rides on what you disclose about your health, and benefits vary. It can begin on the first of any month if approved, so it does not hinge on this window.

Your checklist

Each plan's network type in your Florida ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

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.

I moved to Tampa from up north this year. Can I keep seeing my old doctors on a Florida plan?

Usually not on a local HMO or EPO, which typically covers routine care only inside its Florida network and emergencies elsewhere. If you still head north for care, look for a broader network and check your doctors by name. Relocating to Florida typically gives you about 60 days to enroll outside the regular window, too.

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.