Florida open enrollment 2027 Open enrollment · Florida

Florida Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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 is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Florida is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Florida this year

Florida's average Marketplace increase for 2027 is 10.4%, a final figure. No state has more Marketplace enrollees, yet the households on this page get no help with the bill. Many are early retirees in their early 60s who moved down from the Northeast or Midwest. Others are real estate brokers in Naples, builders around Tampa Bay and Orlando, and Jacksonville business owners. Once a couple clears $86,560, every HealthCare.gov plan is sticker price, and many of those plans use narrow HMO networks. Make a selection by December 15 for coverage on January 1; open enrollment closes January 15, 2027.

One thing to do before you choose

If you retired early and your 2027 household income depends on how much you draw from savings, map it out before applying. A couple projecting a little over $86,560 is in a different position from one projecting $200,000, since a modest change could bring the first couple under the line, where Marketplace help returns. If you're well above it, compare full-price HMO plans with a private plan priced on age, ZIP and health. Approval depends on your health answers. I'm based in Tampa and run these comparisons every week.

Your checklist

How far above the line your 2027 household income will land
The full-price Florida premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

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'm 62, retired from New Jersey, and living in the Tampa Bay area. Is a private plan realistic at my age?

It can be, depending on your health answers. Private plans are medically underwritten, so your history decides approval, and the price reflects your age and ZIP code rather than your income. Coverage can begin the first of any month if approved. If you aren't approved, a full-price Marketplace plan is still available during open enrollment.

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.