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For Floridians pricing coverage · Licensed in 20 U.S. states

Health insurance
cost in Florida.

Florida's insurance regulator has posted approved 2027 rates for individual ACA plans, and the average premium is going up. What you pay depends on your county, age, tobacco use, plan level, and income. Here is what the state's numbers show and how to estimate your own price.

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What sets your price

What moves your
monthly premium.

HealthCare.gov lists five factors that can affect a plan's monthly premium: location, age, tobacco use, plan category, and whether the plan covers dependents. Three are worth a closer look:

Your county.

Where you live has a big effect on premiums. In the state's 2027 examples, the same Silver shopper's average premium before any tax credit runs from $614 a month in one county to $1,294 in another.

Your age.

Premiums can be up to 3 times higher for older people than for younger ones. So an older adult can be quoted a much higher premium than a younger one for the same plan.

Tobacco use and plan level.

Insurers can charge tobacco users up to 50% more. Plan level matters too. Bronze plans pay about 60% of costs on average and Gold about 80%, and plans with higher monthly premiums usually have lower deductibles.

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County examples

What one Florida example looks like in 2027.

Source: Florida Office of Insurance Regulation, 2027 Individual ACA Market Average Silver Premium for a Single Individual Earning $36,000/year, dated October 16, 2026.

Florida's insurance office priced an average Silver plan in every county for one adult, age 28, earning $36,000 a year.
Before any tax credit, that average premium runs from $614 a month (Sumter County) to $1,294 (Monroe County).
After the estimated federal subsidy, the monthly cost to that person runs from $212 (Hamilton County) to $754 (Okeechobee County). It is $339 in Orange County and $381 in Miami-Dade.
The state calls these results illustrative only and sends shoppers to HealthCare.gov for actual premium and subsidy amounts.

Florida premiums in numbers

Florida individual premiums,
2026 to 2027.

$898

Approved average monthly premium per person for 2027 individual ACA plans, before any tax credit, up from $811 in 2026.

10.4%

Average approved change for 2027, weighted by membership. It is not the change any one person will see.

$62

Average monthly premium after the advance tax credit for Florida Marketplace enrollees who got one in 2026 open enrollment.

Sources: Florida Office of Insurance Regulation, Individual PPACA Market Monthly Premiums for Plan Year 2027 (October 16, 2026; not yet reviewed or finalized by HHS, so subject to change); KFF State Health Facts, Marketplace Average Premiums and Average APTC (from CMS 2026 Open Enrollment data). Averages leave out tax credits unless noted.

Paul DanielsLicensed health advisor · NPN 20986580

Working with Paul

A broker who prices
your ZIP code, not an average.

Daniels Health Advisors is the independent brokerage Paul Daniels founded, licensed in 20 U.S. states. Averages are a starting point, but your price depends on your county, ages, and income. We price Marketplace plans for your household after any tax credit, and compare private PPO options when they fit better. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

Have your ZIP code, the ages of everyone you want covered, and a yearly income estimate ready. That is enough for a first quote.

Your actual monthly price, after any tax credit
Licensed in 20 U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

Your first call

Florida coverage in three steps.

Share the basics

ZIP code, ages, tobacco use, and a household income estimate for the year.

We price your plans

Bronze through Gold options after any tax credit, plus private plans where they fit.

Weigh the full year

Premiums plus likely costs at the doctor, with your doctors checked in each network.

Book a 15-minute call

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Before you buy

Your price is not
the state average.

Florida's weighted average blends people of every age and county, and it leaves out tax credits. Your premium after any credit can be much lower or higher. HealthCare.gov suggests comparing your estimated total yearly costs for each plan, not just the premium. If you take advance tax credits and your income ends up higher than estimated, you may owe some back. Under current law, starting with 2026 taxes, there is no cap on that payback. After the call you will have:

Monthly premiums for your household after any tax credit
A note on how your county and ages affect the price
A full-year cost estimate for each plan
Network results for your doctors

A checklist for

Pricing Florida coverage.

Use your own ZIP code, not a statewide average.
Estimate household income for the year you want covered.
Compare at least one Bronze, one Silver, and one Gold plan.
Check whether you qualify for extra savings on a Silver plan.

Florida cost questions

Florida health insurance FAQ.

How much is health insurance in Florida per month?

It depends on your county, age, and income. Florida's insurance office reports an approved 2027 average of $898 a month per person for individual ACA plans, before any tax credit. For a 28-year-old earning $36,000 on an average Silver plan, its county examples run from $212 to $754 a month after the federal subsidy.

Why does my county cost more than the next one?

Location has a big effect on premiums. HealthCare.gov points to differences in competition, state and local rules, and cost of living.

Are Florida premiums going up in 2027?

On average, yes. The state's approved filings show an average rise of 10.4% for individual ACA plans, from $811 to $898 a month per person. That is an average across members, and the state says the figures may change after federal review.

Do I pay more if I smoke?

You may. Insurers can charge tobacco users up to 50% more than people who don't use tobacco. Answer the tobacco question honestly on your application.

Can I get help paying premiums?

You may. In 2026 open enrollment, Florida Marketplace enrollees who got an advance tax credit paid an average of $62 a month after it. Your credit depends on your expected household income for the year and the cost of plans where you live.

Do I have to wait for open enrollment?

Not for every plan. A private plan (not from the Marketplace) can often be bought any time of year. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled. Marketplace plans, and other plans that follow ACA rules, work differently. As of October 26, 2026, under current law, open enrollment for 2027 plans on HealthCare.gov runs from November 1, 2026, to January 15, 2027. To start coverage January 1, pick a plan by December 15. States that run their own Marketplace may set different dates, so check with your state's Marketplace. A federal appeal about these rules is pending (City of Columbus v. Kennedy, 4th Cir. No. 26-1938), with oral argument set for October 30, 2026, so confirm the dates before you enroll. Outside open enrollment, you need a special enrollment period, such as one after losing job-based coverage.

Get your real price,
not the average.

Book a 15-minute call for prices in your ZIP code, or see quotes online.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent brokerage, not a carrier, HealthCare.gov, or CMS. Agent: Paul Daniels, NPN 20986580, Florida license G065122. This page summarizes public Florida premium data. Your price depends on your plan, county, age, and household. Premium figures are averages or illustrations and describe groups, not you. Tax credits, plans, networks, and prices depend on your state, zip code, income, and household. We never guarantee approval, a doctor, or a price. Not medical, legal, or tax advice.

Health insurancecost in Florida.

What moves yourmonthly premium.