By Heather Sprague, licensed Agent of Record (NPN 19086819)·Updated October 20, 2026·8 min read

Florida open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Floridians enroll through HealthCare.gov, so pick a plan by December 15 for coverage that starts January 1. However, this year matters more than most. Florida regulators report an average premium increase of about 10.4% before subsidies. Also, Cigna is leaving Florida's individual market, and the extra federal subsidies have ended. Here's what changed and how to lock in the best plan.

Key dates2027 rate changesSubsidiesCigna exitMedicaid gapLocal help

Key takeaways

Florida open enrollment: November 1 to January 15. Enroll by December 15 for a January 1 start.
Florida had more Marketplace sign-ups than any other state, about 4.5 million last year.
Approved 2027 rates rise about 10.4% on average, before subsidies.
Cigna members must choose a new plan, since Cigna's Florida individual plans end December 31.
Above 400% of the poverty level, tax credits stop entirely for 2027.

Nov 1Florida open enrollment starts

Dec 15Pick a plan for a Jan 1 start

Jan 15Last day to enroll

4.5MFloridians signed up last year, the most of any state

In this guide

Florida open enrollment dates
What's changing in Florida
Tax credits for Floridians
Florida's Medicaid gap and KidCare
How to enroll in Florida
If you miss the deadline
FAQs

Florida Open Enrollment Dates

Florida doesn't run its own exchange. Instead, it uses HealthCare.gov, so the federal calendar applies statewide.

Date	What happens in Florida
November 1, 2026	Florida open enrollment starts
December 15, 2026	Last day to pick a plan for coverage that starts January 1
December 31, 2026	Cigna individual plans in Florida end
January 1, 2027	New coverage starts, once your first premium is paid
January 15, 2027	Florida open enrollment ends; plans picked after December 15 start February 1

Living near a state line or moving soon? Other states may follow different calendars. See open enrollment deadlines for every state.

What's Changing for Florida Open Enrollment

Florida's individual market is big and busy. In fact, 15 companies filed individual plans for 2027, with 647 plan options statewide. Still, several changes will hit Florida families this season.

Higher prices before subsidiesFlorida's Office of Insurance Regulation reports an average increase of about 10.4%. That's weighted by enrollment. Changes by company range from about 4% to 25%, so your own change may be very different.
Cigna is leavingCigna's individual and family medical plans end December 31 in Florida and 10 other states. Its members must pick a new plan. Next, read what to do when your insurer leaves the Marketplace.
Smaller tax creditsThe extra federal subsidies expired at the end of 2025. As a result, many Floridians will see higher net premiums for 2027.
Full payback at tax timeIf your income ends up higher than you estimated, you may owe back your whole excess credit. So, update your income estimate carefully.

Why are rates rising? Our guide on why health insurance premiums are going up explains the causes.

Former Cigna members: if you do nothing, HealthCare.gov may move you into a similar plan from another insurer. That plan can have a different network and drug list. Compare before December 15 so your doctors stay covered.

Tax Credits for Floridians in 2027

Even now, most Florida Marketplace shoppers get help with their premium. However, the rules are tighter this year. Your credit depends on your household income compared with the federal poverty level.

Household size	100% of poverty level	400% of poverty level
1 person	$15,960	$63,840
2 people	$21,640	$86,560
3 people	$27,320	$109,280
4 people	$33,000	$132,000

Between those two lines, you then pay a set share of income for a benchmark Silver plan. For 2027, that share runs from 2.15% to 10.22% of income. Above 400%, the credit stops completely. That's the ACA subsidy cliff, and it's back for 2027. Earning under 250% of the poverty level? Then a Silver plan may also lower your deductible. Learn how in our guide to health insurance subsidies. Or call 888-730-6001 for a free estimate.

Florida's Medicaid Gap and KidCare

Florida has not expanded Medicaid. As a result, many low-income adults fall into a gap. They earn too little for Marketplace tax credits, yet they don't qualify for Medicaid.

Adults without children generally can't get Florida Medicaid at any income
Parents qualify only at very low incomes
About 388,000 Floridians fall in this coverage gap

Children often qualify for Florida KidCare at higher incomes than adults
KidCare and Medicaid accept applications year-round
Low-cost options like short-term plans may help adults in the gap

First, check current KidCare limits at floridakidcare.org. If you fall in the gap, we can walk through lower-cost options with you. For example, see low-income health coverage without Medicaid.

Local help from a Florida agencyVivna's licensed agents work from Deerfield Beach and help Floridians statewide. We compare plans, check your doctors and enroll you at no cost.

Call 888-730-6001 Get a Free Quote

How to Enroll During Florida Open Enrollment

Of course, you can enroll on your own at HealthCare.gov. Or, a licensed agent can do it with you at the same price. Either way, follow these steps.

Gather your detailsFirst, bring Social Security numbers, a 2027 income estimate and any job-based coverage offers. Our open enrollment checklist lists everything.
List your doctors and prescriptionsNetworks differ a lot across Florida counties. So, check each provider before you pick a plan.
Compare total yearly costThen add the premium to the deductible and copays you expect. A cheap premium can cost more by year's end.
Pick by December 15Then pay your first premium. That's how coverage starts January 1 with no gap.

Vivna compares Florida plans from carriers such as Ambetter, Oscar and UnitedHealthcare. For year-round options, visit our Florida health insurance page. Looking for local guidance? We also cover Miami, Boca Raton, Coral Springs, Coconut Creek and Deerfield Beach.

Check your doctors first, then compare the full yearly cost.The advice our Florida agents give most during open enrollment

If You Miss Florida Open Enrollment

After January 15, you'll usually need a qualifying life event to buy a Marketplace plan. Moving, losing coverage, marriage or a new baby can all count. See our guide to health insurance life events. Otherwise, Florida allows short-term plans. UnitedHealthcare offers short-term health insurance and tri-term plans here. These plans aren't ACA plans, so they can exclude pre-existing conditions. For more, read your options after Open Enrollment.

Florida Open Enrollment: FAQs

When is Florida open enrollment for 2027?

November 1, 2026 through January 15, 2027. Pick a plan by December 15 for coverage that starts January 1.

Does Florida have its own health insurance marketplace?

No. Floridians shop on HealthCare.gov, or with a licensed agent who enrolls you through it.

How much are Florida premiums going up?

About 10.4% on average before subsidies, based on approved filings. Your change depends on your plan, age, county and income.

What should Cigna members in Florida do?

Choose a new plan by December 15. Cigna's Florida individual plans end December 31, 2026.

Can I get a subsidy if I earn under the poverty level?

Usually not. Florida didn't expand Medicaid. So, most adults under 100% of the poverty level get neither Medicaid nor tax credits.

Who do I call with a complaint about my insurer?

Florida's Department of Financial Services runs a consumer helpline at 1-877-693-5236. For plan help, call Vivna at 888-730-6001.

Rates and plan counts reflect Florida Office of Insurance Regulation tables dated October 16, 2026. They may change after federal review. Tax credit figures reflect federal guidance as of October 2026. This is general information, not tax advice. Vivna Insurance is a licensed, independent agency (NPN 19168641). We are not affiliated with HealthCare.gov or any government agency.

Florida Open Enrollment for 2027 Coverage: Dates, Costs and Help