Contractors, Realtors, consultants, and small-business owners across Florida just watched their credit disappear and their premium jump twice. Amanda or Erik, licensed Florida brokers based in St. Petersburg, run every lane you qualify for in your county and call you once with real numbers. Your information stays with us. It is never sold.
Florida runs on the individual market. Only about 40% of Floridians get coverage through an employer, the lowest share in the country, more than one in five residents under 65 buys on the Marketplace, and the state never expanded Medicaid. When the enhanced premium tax credits expired at the end of 2025, Florida felt it first and hardest.
Florida's individual-market rates rose 31.5% on average for 2026. For 2027, carriers proposed another 15.3% unweighted, with filings from under 4% to over 39%. Above the credit line, every point is yours to pay.
Effectuated Florida Marketplace enrollment fell from about 4.3 million in 2025 to roughly 3.85 million in 2026, the largest drop of any state. Many were healthy self-employed households who did not become uninsured on purpose. They ran out of options they knew about.
The credit ends at 400% of the poverty level: about $63,840 for one person and $132,000 for a family of four. Nearly three million nonemployer businesses call Florida home, the highest rate per capita in the country, and a large share of them sit near that line.
Open enrollment is peak season for lead resale. A comparison site collects your number, sells it to a dozen agencies, and every one of them dials you with one plan to push. We are a licensed Florida brokerage in St. Petersburg, not a lead generator, and this page works the opposite way.
The person who calls you is the person who quotes you and enrolls you. Amanda or Erik Moran, licensed in Florida, with their own name and phone number on the paperwork.
Your form lands in our own system and nowhere else. No lead resale, no partner list, no call center. One call and one text, then the next move is yours.
More than 95% of Florida Marketplace enrollees qualify for a credit. If you are one of them, the Marketplace is your answer and we help you enroll at no cost. We only recommend a private plan when the math and your health favor it.
Florida prices every one of these by county, with 67 rating areas, so the right lane in Pensacola can be the wrong one in Key West. Here is who each lane fits and who it does not.
Guaranteed issue, no health questions, and every plan covers the ten essential health benefits. Under the credit line the subsidy absorbs most of the 2026 and 2027 rate increases, and this lane almost always wins. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027; enroll by December 15 for a January 1 start.
Same guaranteed-issue protection, same benefits, full filed rate. Cigna left the Florida Marketplace for 2027, Sunshine State members are moving to Ambetter, and Molina had not filed as of early August, so auto-renewing into a mapped plan is not the same as shopping the county menu.
The carrier asks health questions and prices you on the answers. Healthy Florida applicants often pay less than full Marketplace price for the protection they actually use, and many of these plans run on national PPO networks that do not stop at the county line. We are appointed with USHEALTH Group and quote its SecureAdvantage and PremierAdvantage products in Florida. These plans are not ACA-compliant, can decline or exclude conditions, and the exclusions have to be read before you sign.
Florida allows initial terms under 12 months and up to 36 months total through renewals, and the federal four-month cap has not been enforced since August 2025. Multi-term products such as Golden Rule's TriTerm Medical issue three terms from one application. Pre-existing conditions are excluded and benefits are capped, so this solves a timing problem, not a coverage problem.
A fifth lane, catastrophic Marketplace plans for adults over 30 who lost their credit, opened in 2026 and was stayed by a federal court in July 2026. What that ruling changed.
No mystery, no queue. This is the sequence every Florida household goes through with us, written down so you can hold us to it.
Within one business day, Amanda or Erik looks at your household, what you have now, your credit situation, and your Florida county, and pulls the carriers and lanes that actually file there.
Save the number below so you recognize it. Fifteen minutes is typical. If an underwritten plan is in play, the health questions are asked then, by the broker, never on a web form.
863-270-9820Marketplace with any credit applied, underwritten if you qualify, short-term if you need a bridge. Actual premiums, deductibles, and networks for your county, not a statewide average.
Enroll through us, enroll on HealthCare.gov yourself, or sit tight. Nothing about your form is resold and no drip campaign follows. Reach out when you are ready and the same broker picks up.
Written by the brokers who will take your call, checked against public filings, and updated as the rules move.
The cliff numbers, the four lanes, and the income-side fix.
How a healthy household compares the two lanes apples to apples.
Who stays, who left, and the off-Marketplace names.
County, age, tier, and two rate hikes.
Dates, the renewal letter, and a week-by-week plan.
The expansion, the stay, and what to do now.
When a bridge makes sense and what it excludes.
Commission swings and the reconciliation trap.
Injury exposure, family coverage, and the W-2 crew question.
The lead resale machine, and how to shop without it.
Looking for the whole Florida picture, including off-exchange and group coverage? Read the Florida coverage guide.
About $63,840 for one person and $132,000 for a family of four, which is 400% of the 2026 federal poverty guideline. Above that line there is no credit at all since the enhanced credits expired at the end of 2025. The limit is based on modified adjusted gross income, so retirement and HSA contributions and the self-employed health insurance deduction reduce the number that counts.
Florida depends on the individual market more than any other state: only about 40% of residents get coverage through an employer, more than one in five people under 65 buy on the Marketplace, and the state never expanded Medicaid. When the enhanced premium tax credits expired, effectuated enrollment fell from about 4.3 million in 2025 to roughly 3.85 million in 2026, a drop of about 450,000 people, while 2026 rates rose 31.5% on average.
On the Marketplace: 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 in Broward County. Cigna left the Marketplace for 2027, Sunshine State members are moving to Ambetter, and Molina had not filed as of early August 2026. Off the Marketplace, USHEALTH Group sells medically underwritten plans and Golden Rule sells short-term plans, both underwritten and neither eligible for a credit.
Often, yes. A medically underwritten private plan prices on your health rather than the whole pool, can be applied for any month, and is frequently less expensive than full Marketplace price for a healthy household above the credit line. It can decline, rate up, or exclude conditions and is not ACA-compliant, so it is quoted next to the county Marketplace number, not instead of it.
Florida allows initial terms under 12 months and a total duration, including renewals, of up to 36 months. A federal four-month cap adopted in 2024 has not been enforced since August 2025, so the state limit governs today. Short-term plans exclude pre-existing conditions and are a bridge, not a year of coverage.
Not without a hardship exemption certificate. The 2026 rule that granted an automatic exemption to anyone ineligible for a credit was stayed by a federal court in July 2026, so people 30 and older again need an exemption first. A bronze HSA-eligible plan or an underwritten plan is the practical alternative.
November 1, 2026 through January 15, 2027 on HealthCare.gov, which Florida uses. Enroll by December 15, 2026 for a January 1 start; later enrollments start February 1. Underwritten and short-term plans can be applied for year-round.
No. Your form goes into our own system and nowhere else. We are a licensed Florida brokerage based in St. Petersburg, not a lead generator. One licensed broker, Amanda or Erik Moran, contacts you once, and we do not sell, trade, or share your information with other agents or marketers.
No. The form asks who needs coverage, what you have now, whether you got a tax credit this year, and your ZIP code. If an underwritten plan looks like a fit we ask the health questions on the call, or you can answer them through a private link we email after you submit.
Facts on this page were checked on September 4, 2026 against HealthCare.gov, CMS, IRS, and healthinsurance.org's Florida guide, plus the carriers' own materials. Rates, carrier lineups, and court rulings change; we confirm the current answer on every call.
Three taps and a ZIP code. One licensed Florida broker calls you once with real numbers for your county. Your information is never sold.
Start the 60-second form → Or call 863-270-9820, Monday to Friday, 9am to 5pm ET