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For individuals, couples & families · Licensed in 30+ U.S. states

Individual and family
health insurance
in Florida.

Coverage you buy on your own, not through a job, for yourself, your spouse, and your kids anywhere in Florida.

Private & Secure
Fast Response
No Spam Calls

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Buying your own plan

No job plan?
You still have options.

Most people who shop on their own ask the same three things:

Can I afford it?

In Florida, nearly 95% of people who picked a Marketplace plan for 2026 got a premium tax credit. Yours depends on household income and size.

Which plan costs the least?

A low premium can still mean a high yearly total. People who qualify for extra help with deductibles and copays generally need a silver plan to get them. See our bronze vs silver guide.

What about the kids?

Children may qualify for Florida KidCare, the state's income-based health insurance for kids, and you can apply any time of year. Otherwise they can join a family plan.

Couple smiling at each other beside a laptop at a kitchen counter — Photo: Pexels photo 5481522 by Anastasia Shuraeva, used under the Pexels License. Cropped, resized, and converted to WebP. Modified from the original.

Household math

Who counts, and what counts.

Tax credits are figured from what your whole tax household expects to earn in the year you are covered.

Use income for the coverage year ahead, not last year's alone.
Your tax household usually means you, a spouse if you file jointly, and anyone you claim as a dependent.
Wages, self-employment profit, and some other income all count. We help you sort it.

Three common paths

Ways Florida households get covered.

Marketplace plan

ACA plans that may come with tax credits. Open enrollment comes once a year, and a move, a new baby, or losing other coverage can open a special enrollment period. See our Florida open enrollment guide.

Private plan

Bought outside the Marketplace. You can often apply any time of year, though some ask health questions and approval is not guaranteed. Compare in our private PPO vs Marketplace guide.

Florida KidCare

The state's health insurance for children. Costs are based on income, and enrollment is open all year.

Florida in numbers

Millions of Floridians
buy their own coverage.

4,538,772

Floridians picked a Marketplace plan for 2026.

Nearly 95%

of them got a premium tax credit.

$106

average monthly premium per person after tax credits, down from $806 before.

Source: CMS 2026 Marketplace Open Enrollment public use files (Florida, plan selections from November 1, 2025, to January 15, 2026). Averages, not your price. 2027 prices and tax credits will differ.

Paul DanielsLicensed health advisor · NPN 20986580

Working with Paul

One advisor for
the whole household.

At Daniels Health Advisors, an independent brokerage licensed in 30+ U.S. states, Paul Daniels helps Florida singles, couples, and parents who lose a job plan, move, or want to compare their options. Most households start with a Marketplace plan and a tax credit check. If you get little or no tax credit, we can also show private PPO options. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

In the Orlando area? See our Orlando family health insurance page for local details.

Clear answers for the whole family
Licensed in 30+ 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

Family coverage in three steps.

Tell us who needs coverage

Ages, your zip code, and each person's doctors and prescriptions.

We check costs and credits

We estimate household income and see what tax credit may apply.

Pick the right mix

Sometimes one plan fits everyone. Sometimes a child or spouse is better off on another path.

Book a 15-minute call

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

Before you pick a plan

A clear plan for
every person.

Estimate too low, and some of the tax credit you used may have to be repaid at tax time. Under current law, starting with 2026 taxes, there is no cap on that payback. So we build the household figure with you, line by line. Your call ends with:

A household income estimate you understand
Premiums and deductibles side by side
A note on whether Florida KidCare is worth a look
Doctors and prescriptions checked against each plan's network list

A checklist for

Florida households shopping for a plan.

Gather recent pay stubs or last year's tax return.
List each person's doctors and prescriptions.
Note any job-based coverage offered to anyone in the house.
Have kids? Ask us whether Florida KidCare is worth a look.

Individual and family questions

Individual and family health insurance FAQ.

How can I pay less for health insurance in Florida?

It depends on your income, age, zip code, and the care you need. Many people pay less after a tax credit. For tax questions, talk with a tax professional. We compare total cost, not just the premium. See our affordable health insurance in Florida guide.

Can I buy health insurance in Florida without a job?

Yes. You can buy a Marketplace plan during open enrollment or after a qualifying life event, like losing job-based coverage. You can often apply for a private plan any time of year. Some ask health questions, and approval is not guaranteed.

Can my kids be on a different plan than me?

Yes. Children may qualify for Florida KidCare, or they can be on a separate plan. We help you see which mix costs less.

Is private health insurance the same as a Marketplace plan?

No. Private plans in this sense are sold outside the Marketplace. They do not come with premium tax credits, and some ask health questions. Marketplace plans follow ACA rules and may come with tax credits. See private health insurance in Florida.

Do I have to wait for open enrollment?

For a private plan (not from the Marketplace), you can often apply 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 20, 2026, under current law, open enrollment for 2027 plans runs from November 1, 2026, to January 15, 2027. As of October 20, 2026, a federal appeal about these dates is pending (City of Columbus v. Kennedy, 4th Cir. No. 26-1938), with oral argument set for October 30, 2026. Confirm the dates before you enroll. To start coverage January 1, pick a plan by December 15 (the deadline under current law). Outside those dates, you may need a special enrollment period. Losing job-based coverage is one example.

Cover everyone
under one roof.

Book a free 15-minute call or start a quote 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 is about personal and family health insurance. It is not business liability or workers' comp insurance. 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.

Individual and familyhealth insurancein Florida.

No job plan?You still have options.