Correction (September 24, 2026): An earlier version of this article said Community Care Network, Inc., which does business as 22 Health, was reported to be leaving the Florida Marketplace for 2027. That was incorrect. Florida's Office of Insurance Regulation approved 22 Health's individual plan filing on August 20, 2026 (OIR file log 26-030032), and 22 Health will continue to offer Marketplace plans in Broward County for 2027. We regret the error.
TL;DR
Sixteen carriers sold Florida Marketplace plans for 2026. For 2027, Cigna has left the Marketplace in every state, Sunshine State Health Plan is folding into Ambetter, and Molina Healthcare of Florida is reported to be leaving as well, per the filing review at ACA Signups and the KFF participation tracker as reported by the Florida Phoenix. Florida Blue, Ambetter, Oscar, UnitedHealthcare, AmeriHealth Caritas, AvMed, Capital Health Plan, Florida Health Care Plan, Health First, Simply Healthcare, and 22 Health (Broward County only) continue. Off the Marketplace, medically underwritten plans from USHEALTH Group and multi-term short-term plans from Golden Rule are the names a healthy self-employed Floridian should know. Availability is county by county, so the real list is the one for your ZIP code.
A list of "Florida health insurance companies" is only useful if it tells you who will actually issue a policy to a self-employed person in your county for the coming year. This is that list for 2027, split the way the market is actually split: Marketplace carriers, regional plans, exits, and the off-Marketplace names the Marketplace will never show you.
Disclaimer: Carrier participation, service areas, and plan menus change during rate review and from county to county. Everything below was checked against public filings and healthinsurance.org's Florida guide on the date at the top of this article, and we confirm the current lineup for your ZIP code on every call.
The 2027 lineup at a glance
Quick answer: Continuing on the Florida Marketplace for 2027: Florida Blue (including its Health Options HMO), Ambetter from Sunshine Health, Oscar, UnitedHealthcare, AmeriHealth Caritas, AvMed, Capital Health Plan, Florida Health Care Plan, Health First, Simply Healthcare, and 22 Health (Broward County only). Leaving: Cigna, plus Molina Healthcare of Florida per the filing review at ACA Signups and the KFF participation tracker as reported by the Florida Phoenix. Folding into Ambetter: Sunshine State Health Plan. Already gone: Aetna, which exited the individual market at the end of 2025.
Statewide and multi-region Marketplace carriers
Florida Blue (Blue Cross Blue Shield of Florida) and Health Options
The state's Blue plan and its largest individual-market carrier by reach. Florida Blue files both PPO-style and HMO products, the latter through its Health Options subsidiary, and its network depth is the reason many buyers start here. Its 2027 filings proposed increases of about 26% for Blue Cross and Blue Shield of Florida, Inc. and about 9.8% for Health Options, both still under state review; what the two numbers mean for your renewal.
Ambetter from Sunshine Health (Centene)
Centene's Florida Marketplace brand, and the plan absorbing Sunshine State Health Plan members for 2027. Ambetter is typically among the lower-priced carriers in the counties it serves, with a narrower HMO-style network. Centene's 2027 filing proposed the smallest increase among Florida carriers, around 3.9%.
Oscar
Oscar sells both an insurance company product and an HMO in Florida and tends to compete on price and a digital-first member experience in the larger metro counties. Check the specific county before assuming it is available.
UnitedHealthcare
UnitedHealthcare continues on the Florida Marketplace for 2027 with a proposed increase around 30%. Its Marketplace product is separate from the short-term and supplemental products its Golden Rule subsidiary sells off the Marketplace, which are covered below.
AmeriHealth Caritas
Continuing for 2027 with the largest proposed increase in the state, about 39%. Worth quoting only in the counties where it is competitive after the increase.
Regional Florida carriers
- AvMed: a Florida-only, not-for-profit HMO with a tightly managed network. Strong where its network is concentrated, not a statewide option.
- Capital Health Plan: a regional HMO centered on the Tallahassee area.
- Florida Health Care Plan: a regional plan serving the Volusia and Flagler area.
- Health First Health Plans: the Space Coast plan tied to the Health First hospital system.
- Simply Healthcare Plans: Wellpoint's Florida affiliate, continuing for 2027.
- 22 Health (Community Care Network): new for 2026, with plans available only in Broward County, and continuing for 2027. Florida's Office of Insurance Regulation approved its individual plan filing on August 20, 2026, and 22 Health says its 2027 plans will be available when open enrollment begins on November 1.
Regional plans can be the best value in their home counties and irrelevant one county over. This is the practical reason Florida has 67 rating areas and the reason a statewide "best carrier" answer does not exist.
Who left, who is uncertain
Quick answer: Cigna is gone from the ACA Marketplace in 2027, in Florida and everywhere else. Aetna left the individual market at the end of 2025. Sunshine State Health Plan is being discontinued with members transitioned to Ambetter. Molina Healthcare of Florida is also reported to be leaving, per the filing review at ACA Signups and the KFF participation tracker as reported by the Florida Phoenix, and Molina has said it is cutting its ACA business from 14 states to six.
If you are on a Cigna or Sunshine State plan today, do not rely on auto-renewal. The Marketplace will map you to another plan, and the mapped plan is not necessarily the one you would pick with the full county menu in front of you.
Off-Marketplace carriers a healthy household should know
None of these appear on HealthCare.gov, none accept a premium tax credit, and all of them underwrite, which is precisely why they can price a healthy applicant lower.
- USHEALTH Group (Freedom Life Insurance Company of America and National Foundation Life, a UnitedHealthcare company): medically underwritten sickness-and-accident PPO plans such as SecureAdvantage and PremierAdvantage, built for self-employed individuals and families and available year-round. We are appointed with USHEALTH Group and quote these in Florida. Not available in every state and not ACA-compliant.
- Golden Rule Insurance Company (UnitedHealthcare): short-term medical, including the TriTerm Medical multi-term product available in Florida and Texas, issued as three consecutive terms from one application for nearly 36 months of coverage. Underwritten, with exclusions and a pre-existing condition waiting period.
How to choose among them
- Start with the credit question. If your household qualifies for a premium tax credit, the off-Marketplace names drop off the list and the Marketplace carriers in your county are the whole field.
- Then the health question. Any diagnosed condition, planned pregnancy, or daily prescription keeps you on the Marketplace side even above the credit line.
- Then geography. Pull the carriers that actually file in your county and check that your hospital and doctors are in network.
- Only then, price. Compare the county Marketplace quote to the underwritten quote on premium, exposure, network, and exclusions, not premium alone.
We quote every carrier on this list that writes in your county, side by side, on one call. Start on our Florida self-employed page.
Key Takeaway
Florida's 2027 individual market lost Cigna, folded Sunshine State into Ambetter, and by the latest filing reviews loses Molina as well, while twelve Marketplace carriers, including 22 Health in Broward County, and two off-Marketplace names continue. The right carrier is the one that files in your county, covers your doctors, and fits your credit and health situation, in that order.
Questions Florida readers ask about this
Which insurance companies offer ACA Marketplace plans in Florida for 2027?
Florida Blue and its Health Options HMO, Ambetter from Sunshine Health, Oscar, UnitedHealthcare, AmeriHealth Caritas, AvMed, Capital Health Plan, Florida Health Care Plan, Health First, Simply Healthcare, and 22 Health (Broward County only) are continuing. Availability is by county, so not every carrier is offered everywhere.
Is Cigna leaving the Florida Marketplace?
Yes. Cigna will not offer ACA Marketplace plans in 2027 in Florida or any other state. Current Cigna Marketplace members will be mapped to another plan unless they actively choose one during open enrollment.
What is happening to Sunshine State Health Plan?
Sunshine State Health Plan products are being discontinued at the end of 2026 and members are being transitioned to Ambetter, which is also a Centene brand.
Is Molina offering plans in Florida for 2027?
Reported to be leaving. The filing review at ACA Signups and the KFF participation tracker, as reported by the Florida Phoenix in September 2026, both list Molina Healthcare of Florida among the carriers exiting the Florida Marketplace for 2027, and Molina has said it is cutting its ACA business from 14 states to six. Check the county menu when open enrollment opens on November 1.
Which carriers sell underwritten or short-term plans in Florida outside the Marketplace?
USHEALTH Group (Freedom Life and National Foundation Life) sells medically underwritten plans such as SecureAdvantage and PremierAdvantage, and Golden Rule Insurance Company (UnitedHealthcare) sells short-term products including TriTerm Medical. Neither accepts a premium tax credit and both underwrite.
- Florida Office of Insurance Regulation, IRFS Forms & Rates Search: Community Care Network, Inc. (22 Health) individual HMO filing 26-030032, approved August 20, 2026
- 22 Health: approved for the Marketplace for 2027 (Broward County)
- healthinsurance.org: Florida Health Insurance Marketplace guide (2026 enrollment, 2027 carrier changes)
- ACA Signups: Florida 2027 proposed rate changes (+15.3% unweighted, individual market)
- USHEALTH Group: SecureAdvantage plans
- UnitedHealthOne: TriTerm Medical insurance (three terms, apply once)
- Florida Phoenix (Sept. 11, 2026): 2027 rate requests and the carriers it reported as leaving, citing KFF
- Healthcare Dive (July 23, 2026): Molina to concentrate its ACA business in six states for 2027
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