Florida open enrollment 2027 Open enrollment · Florida

Florida Open Enrollment 2027 for Marketplace Renewals

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

Short answer

For people renewing a Marketplace plan 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. Before you let the renewal go through, know that a private, medically underwritten plan is another option: 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.

Unless you act, HealthCare.gov renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Florida this year

I'm in Tampa, so Florida renewals are the ones I see most. The state's finalized 2027 average increase is about 10.4 percent, which sounds modest until it lands on a premium that already lost its subsidy. A couple over $86,560 pays full price now. So does a single real estate agent over $63,840. Florida has more Marketplace enrollees than any other state, and many plans here are HMOs tied to one regional hospital system. If your 2026 plan was discontinued, the replacement may lean on a different system. Floridians renew on HealthCare.gov. Pick by December 15 for January 1; anything chosen after that, through January 15, 2027, begins February 1.

One thing to do before you choose

Price the bronze tier before you renew silver or gold. Bronze plans count as HSA-eligible for coverage starting in 2026, so a healthy Orlando gig worker or Jacksonville trucker could pair one with a health savings account. Remember the trade-off: the 2027 out-of-pocket cap reaches $12,000 for one person. If that number scares you, stay higher. If you rarely use care, are above the subsidy line and want a PPO that reaches beyond one system, I can quote a private medically underwritten plan too, which can begin the first of any month if approved.

Your checklist

Your 2027 renewal notice, read line by line
Whether your plan is the same one or a replacement
Doctors and prescriptions in the 2027 plan
Last year's actual care, priced at each metal level

Private plan or Marketplace?

Private plan

Healthy and facing a big renewal: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a subsidy you still qualify for: stay with HealthCare.gov, but pick the 2027 plan yourself instead of auto-renewing.

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.

My Tampa plan was tied to one hospital system, and my renewal switched systems. Can I keep my oncologist?

Only if that oncologist is in the 2027 network of whatever plan you end up with. Search by name in the replacement plan and in other plans built around your current system. With an ongoing condition like cancer, stay on the Marketplace, which covers pre-existing conditions, and choose by December 15 so treatment continues without a gap.

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.