▶Watch: Private PPO vs. ACA Marketplace — which is right for you? (50 sec)
Can you still get private health insurance in Florida? Yes — and Florida has the deepest individual-market bench in the country, with more than a dozen carriers competing. But 2026 rates rose a weighted average of 31.5% statewide, hitting roughly 4.5 million Floridians — the nation's largest marketplace — right as the enhanced federal subsidies expired. If you don't qualify for a subsidy, comparing every option is worth real money. We compare private medical plans side by side with HealthCare.gov marketplace coverage, statewide.
Open enrollment for 2027 HealthCare.gov coverage in Florida runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1; enroll by January 15 for a February 1 start. Plans, prices, and networks change by ZIP code, so we quote every marketplace plan at your address, check your 2027 premium tax credit, and enroll you at no cost.
For 2026: Florida Blue (Blue Cross Blue Shield of Florida), Cigna — including PPO plans — Oscar, AvMed, Molina, UnitedHealthcare, Simply Healthcare/Wellpoint, Sunshine State Health Plan, AmeriHealth Caritas, Capital Health Plan, Health First, Florida Health Care Plan, and Ambetter (new off-exchange entrant), with availability varying by county. Aetna exited the individual market nationwide for 2026.
Carriers, networks, and hospital access differ sharply between metros. Start with your area:
UHealth/Jackson, Baptist Health South Florida, Cleveland Clinic Florida, Mount Sinai, Nicklaus Children's.
Tampa General, Moffitt Cancer Center, BayCare, AdventHealth Tampa, Johns Hopkins All Children's.
AdventHealth Orlando, Orlando Health, Arnold Palmer, Nemours — and the two-system network choice.
Mayo Clinic Florida, Baptist Medical Center Jacksonville, UF Health Jacksonville and UF Health Shands.
Many Floridians start their search with a hospital, not a plan — typing things like "insurance for Mayo Clinic," "private insurance that covers AdventHealth," or "PPO that accepts Cleveland Clinic Florida." That's the right instinct. Many lower-cost marketplace plans in Florida are HMO or EPO plans with narrow networks, and top-ranked hospitals are often the first ones left out. Private PPO plans with national networks can open access to more of these hospitals — and we confirm your hospital and specialists are in network before you enroll.
These are Florida's top-ranked hospitals in the latest U.S. News & World Report Best Hospitals rankings, and the ones our clients ask about most:
Ranked #1 in Florida and nationally ranked in nine adult specialties. Mayo accepts some health plans but not others, and participation can differ plan by plan — not just insurer by insurer. We check which plans at your ZIP code include Mayo Clinic Jacksonville. Jacksonville plans →
Ranked #2 in Florida, in both adult and pediatric specialties. Many Orlando plans include AdventHealth or Orlando Health — not both. Orlando plans →
Ranked #3 in Florida — North Central Florida's academic medical center and referral hub for complex adult and pediatric care.
Ranked #4 in Florida, with multiple nationally ranked specialties, serving Broward County and all of South Florida. South Florida plans →
University of Miami Hospital and Clinics, ranked #5 in Florida. Bascom Palmer is ranked #1 in the nation for ophthalmology.
Ranked #6 in Florida — Tampa Bay's academic medical center and Level I trauma center. Tampa Bay plans →
One of Florida's top-ranked hospitals and the flagship of Baptist Health South Florida, the region's largest health system.
One of Florida's top-ranked hospitals and Miami Beach's flagship teaching hospital, known for cardiology.
One of Florida's top-ranked hospitals and Central Florida's Level I trauma center.
One of Florida's top-ranked hospitals and the flagship of Baptist Health in Northeast Florida. Jacksonville plans →
Live outside Florida but want access to Mayo Clinic or Cleveland Clinic? We're licensed in most states and can check national PPO options where you live, too.
With the enhanced federal subsidies expired and rates up sharply, many Florida households are paying full price for the first time. Your exact premium depends on your age, ZIP code, and household size — which is why we quote every carrier and every route to coverage before recommending anything.
Traditional marketplace and off-exchange plans are not the only route. Many Floridians — especially the self-employed, independent contractors, and small-business owners — also qualify for true employer-level group coverage regulated under federal ERISA and Department of Labor rules. Qualifying as a bona fide employee takes only a few basic requirements — full-time work is not required — and pre-existing conditions are covered, just as with any employer group plan. You get the same kind of group PPO coverage large employers offer, with nationwide networks like Cigna, Multiplan/PHCS, Aetna, First Choice Health, and in some states Blue Cross with national Blue Card, and enrollment is open year-round, not just during open enrollment. Availability is subject to eligibility. Call us to see if you qualify.
The honest answer: it depends on your subsidy. If you qualify for a meaningful premium tax credit, a marketplace plan through HealthCare.gov is usually the better value. If you get little or no subsidy — the situation many Florida households found themselves in after the enhanced credits expired at the end of 2025 — an off-exchange private medical plan or employer-level group coverage frequently wins on network, price, or both. A five-minute comparison settles it, and our service is free either way.
Between 55 and 65 and not on Medicare yet? Early retirees in Florida, people between jobs, and anyone whose spouse is moving to Medicare can compare private PPO, ACA, and COBRA options side by side in our guide to health insurance before Medicare.
Yes. Beyond on- and off-exchange marketplace plans, we also offer exclusive private, employer-group (ERISA) PPO options with nationwide networks like Cigna, Multiplan/PHCS, Aetna, First Choice Health, and in some states Blue Cross with national Blue Card. These plans aren’t published on the public marketplace, enrollment is open year-round, and availability is subject to eligibility. Call us to see if you qualify.
Yes. Every ACA-compliant private plan covers pre-existing conditions — no medical questions, no exclusions. ERISA employer-level group plans cover pre-existing conditions as well, just as with any employer coverage.
Yes — Florida is one of the few states where they remain, including Cigna PPO options, though availability varies by county. Employer-level ERISA group plans also provide PPO coverage for those who qualify. We also have other exclusive, proprietary private healthcare PPO plan options available year-round for those who qualify. Contact us for specific details.
Marketplace and off-exchange ACA plans: during the annual fall open enrollment period, or year-round within 60 days of a qualifying life event. Employer-level ERISA group plans: enrollment is open year-round for those who qualify. We also have other exclusive, proprietary private healthcare PPO plan options beyond what is published online. Contact us for specific details.
Mayo Clinic in Jacksonville accepts some health plans but not others, and participation can differ between plans from the same insurance company. Many narrow-network HMO and EPO marketplace plans don't include it. We check which marketplace and private PPO options at your address include Mayo Clinic Florida before you enroll.
Yes, but many Orlando-area plans include AdventHealth or Orlando Health — not both — and networks change every year. We compare marketplace and private PPO options against the hospital system you want.
Cleveland Clinic Weston participates with selected plans, and access varies by plan type and county. Broader PPO networks tend to offer more access than narrow HMO plans. Tell us you want Cleveland Clinic and we'll check each option before you enroll.
Start with the hospital, not the price. Give us your preferred hospital — Mayo Clinic, AdventHealth, UF Health Shands, Cleveland Clinic, UHealth, Tampa General, Baptist Health, Mount Sinai or Orlando Health — plus your doctors, and we'll compare every marketplace and private PPO option at your ZIP code that includes them.
No. Premiums are identical with or without an agent — carriers pay us, not you. You get the comparison and enrollment help at no cost.
Compare Every Private Health Plan Available at Your Florida ZIP Code
Free comparison from a licensed advisor — marketplace, off-exchange, and employer-level coverage buy-in options.
Call (800) 939-3330 Get My Plan Options
Plus exclusive, proprietary private healthcare PPO options generally not published online — click Get My Plan Options or call us for details.
Rate change figures are 2026 weighted averages from Florida regulatory filings; premiums vary by age, ZIP code, and household size. Employer-level group plan availability subject to eligibility requirements.
