Florida Health Insurance Made Affordable
Florida health insurance should protect your health without draining your budget. At Vivna Insurance, we help individuals, families, and small businesses compare plans. We make it simple to find coverage that fits your life and your wallet. Call 888-730-6031 to speak with a licensed broker today. Shopping this season? See our Florida open enrollment guide for 2027 dates and costs.
- 🛒 Where to EnrollHere with Vivna
- 🏥 MedicaidNot expanded
- ⏱️ Short-TermShort & tri-term
- 📋 State MandateNo state penalty
🏙️ Find Coverage in Your Florida City
Rates, carriers and provider networks shift from one Florida city to the next. Therefore, each city page lists the plans, hospitals and ZIP codes near you.
Pick your city below to start. Otherwise, call 888-730-6031 and a licensed agent will do the comparing for you.
- Health Insurance Boca RatonPalm Beach CountySee local plans →
- Health Insurance Cape CoralLee CountySee local plans →
- Health Insurance Coconut CreekBroward CountySee local plans →
- Health Insurance Coral SpringsBroward CountySee local plans →
- Health Insurance Deerfield BeachBroward CountySee local plans →
- Health Insurance Fort LauderdaleBroward CountySee local plans →
- Health Insurance HialeahMiami-Dade CountySee local plans →
- Health Insurance JacksonvilleDuval CountySee local plans →
- Health Insurance MiamiMiami-Dade CountySee local plans →
- Health Insurance OrlandoOrange CountySee local plans →
- Health Insurance Pembroke PinesBroward CountySee local plans →
- Health Insurance Pompano BeachBroward CountySee local plans →
- Health Insurance Port St. LucieSt. Lucie CountySee local plans →
- Health Insurance St. PetersburgPinellas CountySee local plans →
- Health Insurance TallahasseeLeon CountySee local plans →
- Health Insurance TampaHillsborough CountySee local plans →
Do not see your city yet? We write coverage in every Florida county, so call 888-730-6031 and we will quote your ZIP code today.
📞 Call 888-730-6031📝 Get a Free Quote
🤝 Why Florida Families Choose Vivna
Shopping for Florida Health Insurance should feel simple, not stressful. So Vivna’s licensed agents compare plans from leading carriers and explain every option in plain language.
Because we work for you, not one insurance company, our advice stays honest and focused on your budget. Have questions? Then call 888-730-6031 to talk with an agent today.
Personalized Support
One licensed agent guides you from your first question through enrollment, so nothing slips.
Licensed Nationwide
Our agents also serve individuals and families across 48+ states.
Choose Your Carrier
Compare top carriers side by side instead of one company’s plans.
No Cost to You
Our guidance is free, and you also pay the same premium as buying direct.
Carriers our agents work withTap a logo to learn more →
🧭 Florida Health Insurance Options
Wondering what Florida Health Insurance options fit your family? So below are the plans our licensed agents can help Florida residents compare. Some open only during enrollment, while others accept applications year-round.
🩺 Health Coverage Plans
🛡️ Added Protection & Assistance
ACA Marketplace Plans
Best for: full coverage and income-based savings
- Covers pre-existing conditions and also essential health benefits
- Premium tax credits, so costs follow your income
- Enroll through HealthCare.gov
Short-Term Health Insurance
Best for: gaps between jobs or missed enrollment
- UnitedHealthcare plans with 3, 6, or 12 month terms
- Apply any time, so a missed deadline is not a problem
- Not ACA coverage, so pre-existing conditions may be excluded
Tri-Term Health Insurance
Best for: longer coverage with one application
- UnitedHealthcare plans with 24 or 36 month terms
- Also means fewer reapplications than short-term plans
- Not ACA coverage, so pre-existing conditions may be excluded
Dental & Vision Insurance
Best for: cleanings, fillings, eye exams, and glasses
- Plans from UnitedHealthcare, Aflac, Cigna, and Aetna
- Add to any health plan, or also buy on its own
- Many plans cover preventive visits at 100%, so checkups cost less
Life Insurance
Best for: protecting your family’s income
- Term, whole life, and final expense options
- Coverage sized to your budget, so premiums stay manageable
- Simple applications, because a licensed agent helps
Supplemental Insurance
Best for: help with high deductibles and surprise bills
- Accident, critical illness, and hospital indemnity plans
- From UnitedHealthcare, Aflac, ManhattanLife, and more
- Cash benefits paid to you, so you decide how to use them
Medicaid & CHIP
Best for: households with very low income
- Most adults without children do not qualify in Florida
- However, children may still qualify for CHIP
- Instead, marketplace savings start at 100% of the poverty level
📊 ACA Plan Tiers at a Glance
How to choose a metal tierNot sure which option fits? Then call 888-730-6031 and an agent will compare them with you.
Dental and Vision Insurance in Florida
Florida residents can buy dental and vision insurance any time of year. These plans are separate from health coverage, so you can add one to any plan or buy it alone.
- UnitedHealthcare DentalWise: no waiting period for preventive, basic and most major care. Major care pays 15% in year one, then 50%.
- UnitedHealthcare DentalWise Max: dental, vision and hearing benefits in one plan, with yearly maximums up to $3,000.
- UnitedHealthcare VisionWise: a $0 network eye exam and up to $150 toward frames or contacts, with no waiting period.
- Other carriers: Vivna also compares Cigna, Aetna and Aflac dental and vision plans where they’re sold.
Compare the plans in our United Healthcare dental insurance and United Healthcare vision insurance guides. You can also find dentists that accept United Healthcare. Questions? Call 888-730-6031 for free help from a licensed agent.
Source: UnitedHealthcare Individual Product Availability grid (form 42839b-X-0826). Plans and benefits can vary by ZIP code.
Short-Term Health Insurance in Florida
Yes, you can buy short-term health insurance in Florida. Through UnitedHealthcare, plans use the Choice network and last 1 month to just under 12 months. TriTerm Medical is also sold here, covering nearly three years from one application. These plans are medically underwritten and are not ACA coverage.
| Short-term plan length | 1 month to just under 12 months |
|---|---|
| Provider network | UnitedHealthcare Choice |
| TriTerm Medical (multi-year) | Yes: three terms, nearly 3 years; Choice (Value and Hospital & Surgical plans: Choice Plus) network |
| Pre-existing conditions | Short-term: generally not covered. TriTerm: not covered for the first 12 months. |
| When you can buy | Any time of year |
| Insurer | Golden Rule Insurance Company, a UnitedHealthcare company |
See plan details on our UnitedHealthcare short-term health insurance page and our tri-term health insurance guide. Compare every option in our short-term health insurance guide. Questions? Call 888-730-6031.
Source: UnitedHealthcare Product Availability Grid (form 42839b-X-0826, current as of August 28, 2026). Plans can vary by ZIP code.
Lost Coverage in Florida? Your Options by Situation
Every coverage gap is different. Here is how the most common ones work in Florida, and when a short-term plan makes sense. For help with your own case, call 888-730-6031.
Lost your job in Florida
Losing job coverage gives you 60 days to pick a plan through HealthCare.gov. COBRA is another option at employers with 20 or more workers. If your employer has fewer than 20 workers, Florida law may let you keep that plan for up to 18 months. The cost can reach 115% of the premium.
Compare your choices in our guide to health insurance between jobs.
Missed open enrollment in Florida
Open enrollment through HealthCare.gov runs Nov 1 – Jan 15. After that, you need a qualifying life event to join. Short-term plans in Florida last 1 month to just under 12 months.
See your options for health insurance after open enrollment and the Florida open enrollment guide.
Earning too much for tax credits
For 2027 coverage, tax credits stop above $63,840 for one person or $132,000 for a family of four. Healthy people over that line may pay less with short-term health insurance.
Learn how the ACA subsidy cliff works first.
Retiring before 65
In Florida, tri-term health insurance can bridge a gap of nearly three years. Applicants must be under 64, and coverage ends at 65.
Plan the handoff with our early retirement health insurance guide.
Short-term plans are medically underwritten and are not ACA coverage. They can exclude pre-existing conditions. Losing one does not open a Special Enrollment Period, so you may wait until the next open enrollment. Questions? Call 888-730-6031.
❓ Florida Health Insurance FAQs
Florida Health Insurance rules change every season, from enrollment dates to the savings you can get. So below, we answer the top questions about the upcoming open enrollment on HealthCare.gov.
- 🗓️Open EnrollmentNov 1 – Jan 15
- 🛒Where to EnrollHealthCare.gov
- 🏥MedicaidNot fully expanded
🗓️ Enrollment, Costs & Savings
01When is open enrollment for Florida Health Insurance?
Open enrollment for Florida Health Insurance runs November 1 through January 15 on HealthCare.gov. Enroll by December 15 so your coverage starts January 1. Otherwise, plans chosen later start February 1. Outside that window, however, you need a qualifying life event, such as losing coverage, moving, or having a baby. Our Florida open enrollment guide also covers each step, and this article explains how to buy coverage after open enrollment.
02Can I get help paying for Florida Health Insurance?
Yes, and many households still qualify for federal premium tax credits. In general, you may qualify if your income falls between 100% and 400% of the federal poverty level. However, the extra federal credits from recent years have ended, so households above 400% no longer get help. Also, estimate your income carefully, because you may owe back the full difference at tax time. Next, learn how health insurance subsidies work, or explore plan options without subsidies.
03Is my Florida insurance company leaving the marketplace?
Cigna and Molina are leaving the Florida marketplace this season. In addition, Sunshine State Health Plan is ending, and its members move to Ambetter. If you do nothing, however, you may be moved to a plan that does not fit your doctors or budget. Before switching, compare marketplace plans side by side and also check which doctors are in network.
🏥 Coverage Choices in Florida
04Does Florida offer Medicaid for low-income adults?
Florida has not expanded Medicaid, so most adults without children do not qualify. Instead, marketplace tax credits begin at 100% of the federal poverty level. If your income changes, also update your application so you land in the right program. For families, our guide to child health insurance coverage can also help.
05Can I buy short-term health insurance in Florida?
Yes. Vivna also offers UnitedHealthcare short-term plans in Florida with terms of 3, 6, or 12 months. Tri-Term plans are also available for up to 36 months. However, these plans are not ACA plans, so they can exclude pre-existing conditions and do not qualify for tax credits. Still, you can apply year-round, which helps if you missed open enrollment. Next, learn more about short-term health insurance, Tri-Term plans, and UnitedHealthcare coverage.
06How can a licensed agent help me choose Florida Health Insurance?
First, our licensed agents compare plans, check your savings, and confirm your doctors are in network. Best of all, there is no cost for this help. So call 888-730-6031 or request a free quote online today. You can also browse our health insurance FAQ page or meet the Vivna team.
Information reflects the upcoming open enrollment season and may change. Call 888-730-6031 to confirm your options.
📚 Florida Health Insurance Tips & Guides
Florida Health Insurance decisions are easier when you know the basics. So our licensed agents write these guides to explain coverage, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6031 anytime.
📚 More Guides for Florida Shoppers
- Michigan Open Enrollment: Dates, Rate Changes and How to Enroll
- Georgia Access Open Enrollment: Dates, Costs and Local Help
- Family Health Insurance Plans: Options, Costs and Coverage
- What Does Accident Insurance Cover? Benefits and Limits
- Insurance Company Leaving the Marketplace? What to Do for 2027
- Ambetter Plan Options: Every Plan Family and Metal Level
- HMO vs PPO Plans: Network Diagram, Comparison Chart and Costs
- Self-Employed Health Deductions: Premiums, HSAs and Tax Credits
- Out-of-Pocket Costs: What You Pay and How to Estimate It
- Medication Adherence: Stay on Track and Cut Drug Costs
- Choosing a Life Insurance Policy
- Fitness Tips for Older Adults to Age Well and Stay Strong
🧩 Plans, Carriers & FAQs
Health Insurance by City in Florida
Each Florida city guide covers local hospitals and networks, county help programs and the plan options sold in that area. Pick your city below, or call 888-730-6031 Monday through Friday, 9 a.m. to 6 p.m. Eastern, to talk with a licensed agent for free.
- Boca Raton
- Boynton Beach
- Bradenton
- Cape Coral
- Clearwater
- Coconut Creek
- Coral Gables
- Coral Springs
- Davie
- Daytona Beach
- Deerfield Beach
- Delray Beach
- Doral
- Fort Lauderdale
- Fort Myers
- Gainesville
- Hialeah
- Hollywood
- Jacksonville
- Jupiter
- Kissimmee
- Lake Worth Beach
- Lakeland
- Lauderhill
- Margate
- Melbourne
- Miami
- Miramar
- Naples
- Ocala
- Orlando
- Palm Bay
- Palm Beach Gardens
- Panama City
- Pembroke Pines
- Pensacola
- Plantation
- Pompano Beach
- Port St. Lucie
- Sarasota
- St. Petersburg
- Sunrise
- Tallahassee
- Tamarac
- Tampa
- Wellington
- West Palm Beach
- Weston
Have a question first? Browse our Florida health insurance questions and answers, or request a free quote.
📞 Questions? Talk With a Licensed Agent in Florida
Florida Health Insurance can feel confusing, but you never have to sort it out alone. Instead, our licensed agents compare health, dental, vision, life, and supplemental plans for you.
Best of all, our help costs you nothing. So request your free quote online, or call 888-730-6031 to speak with an agent today.
Prefer email? Then visit our contact page to reach our team.
How it works
- 📞Call or request a quoteTell us your zip code, budget, and doctors.
- 🔍We compare your plansAn agent checks carriers and savings side by side.
- ✅You choose and enrollPick the plan you like, and we handle the paperwork.
