Florida open enrollment 2027 Open enrollment · Florida

Florida Open Enrollment 2027 for Small Business Owners

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

Short answer

For small business owners 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. Your own coverage can also come from a private, medically underwritten plan, which does not wait for the window: 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.

Group plans can renew at any point in the year, so open enrollment matters to owners for two reasons: an individual coverage HRA, or ICHRA, reimburses employees for individual plans they choose, and most of that shopping happens in this window; and an owner covering only the household buys in the individual market too. For your own household, the 2027 subsidy line is $63,840 for one person, $86,560 for two and $132,000 for four.

Florida this year

Florida's two markets are moving close together for 2027. Group renewals average about 11.4 percent, and approved individual rates are up roughly 10.4 percent, both below the national pace. Florida also has the largest Marketplace in the country on HealthCare.gov, which matters for an ICHRA: employees would be choosing in a deep market, though plan lineups shift sharply between Miami-Dade, Hillsborough and rural Panhandle counties. Real estate brokerages, charter and marine businesses, construction crews and hospitality companies from Orlando to Fort Myers often employ people living in several counties. That spread makes a county-by-county comparison more useful than any statewide average this year.

Small-group plans in Florida average about 11.4% for 2027, against 10.4% for individual plans, so put this year's group renewal next to an ICHRA quote before you sign it.

One thing to do before you choose

List each employee's home county before comparing options. A Tampa Bay firm with staff commuting from Pasco, Polk and Hillsborough can see different individual plan lineups in each, so test an ICHRA allowance against real county choices rather than one statewide quote. Floridians who enroll on HealthCare.gov by December 15 get a January 1 start, and open enrollment wraps up January 15, 2027.

Your checklist

Your 2027 group renewal letter and its effective date
How many employees you have and where they live
A fixed monthly ICHRA budget you could offer
Your own household's coverage, priced separately

Private plan or Marketplace?

Private plan

For the owner's own household when everyone is healthy: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

For employees on an ICHRA, or an owner with ongoing care: HealthCare.gov accepts everyone during open enrollment.

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.

Under Florida law, may a departing employee of my 12-person company remain on our group coverage?

Yes. Florida's Health Insurance Coverage Continuation Act covers employers below 20 employees. The departing worker can keep the group plan as long as 18 months, at up to 115 percent of the premium, by notifying the insurer in writing within 63 days of losing coverage.

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.