Florida open enrollment 2027 Open enrollment · Florida

Florida Open Enrollment 2027 for Self-Employed

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

Short answer

For self-employed people and 1099 contractors 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 wait for the window: if approved, it can start the first of any month, which suits income that never arrives on a schedule.

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 subsidy line for 2027 sits at 400% of the federal poverty level: $63,840 for one person and $86,560 for two. For self-employed people the income that counts is net business income after expenses, plus any other household income, and a strong fourth quarter can carry you over the line. Starting with tax year 2026 there is no cap on repaying excess advance credit, so estimate carefully. General information, not tax advice — confirm with your CPA based on your specific entity structure.

Florida this year

Florida has the biggest Marketplace in the country, and for 2027 its finalized individual increase averages about 10.4 percent, under the national figure. For many self-employed Floridians, though, the larger shock happened last year, when enhanced subsidies expired and hundreds of thousands dropped coverage. The 400 percent income line stays for 2027, so a Tampa real estate agent, an Orlando hospitality gig worker or a Fort Myers charter captain just above it pays full price plus this year's increase. Florida signs people up through HealthCare.gov, with a January 15 deadline, and plan choices shift a lot between Miami-Dade, Hillsborough and rural Panhandle counties.

Work I see most often among Florida's self-employed buyers: real estate agents, construction trades, charter captains and marine trades, truck drivers working the ports and I-4 corridor, hospitality and tourism gig workers, and early retirees under 65 who moved here from the Northeast and Midwest.

One thing to do before you choose

Get your 2027 earnings estimate right before you pick anything. A Florida household of two projected at $86,560 or less can still qualify for help; a little more, and the subsidy disappears. If your work swings with hurricane season or the snowbird months, map out a realistic figure, then compare a Marketplace plan with a private option that looks at age, ZIP and medical history and must clear underwriting. If approved, that policy could take effect the first of a coming month.

Your checklist

Your Florida renewal notice and its 2027 price
A net income estimate with a cushion
Doctors and prescriptions in each network
A private quote if you are healthy and near the line

Private plan or Marketplace?

Private plan

Healthy and above the line: priced on age, ZIP code and health, not income. 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 may make it the better value.

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 a charter captain in Florida and my earnings change every season. Which number do I report for 2027?

Report a realistic projection of your 2027 net self-employment earnings, not last year's figure. If the season turns out stronger or weaker than expected, update your HealthCare.gov application during the year so your subsidy, or the lack of one, tracks what you actually earn. I can help you think it through in English or Spanish.

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.