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.
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.
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.
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.
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.
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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.
