Best Health Insurance in Florida for 2027: Top Plans and Companies

Overview

The best health insurance in Florida for 2027 depends on your county, your budget and the doctors you want to keep. Florida Blue has the biggest share of the state’s individual market, Ambetter has the smallest average rate increase for 2027 and UnitedHealthcare has the largest.

Twelve insurance companies sell plans on HealthCare.gov in Florida for 2027. Rates rise 10.4% on average, after a 34.1% jump for 2026. Open enrollment runs November 1, 2026 to January 15, 2027. Below, we compare each insurer, show its 2027 rate change and explain how to keep your costs down.

What’s Changing for Florida Health Insurance in 2027

• Rates are up 10.4% on average. The average monthly premium before subsidies goes from $811 to $898, according to the Florida Office of Insurance Regulation (FLOIR). Your own change depends on your plan, age and county.
• Four insurance companies are leaving the Marketplace. Cigna (two companies), Molina Healthcare of Florida and Sunshine State Health Plan are not selling Marketplace plans for 2027. Aetna already left after 2025.
• The extra subsidies are still gone. The enhanced premium tax credits ended after 2025. For 2027 coverage, you get no credit if your income is above 400% of the federal poverty level: $63,840 for a single person or $132,000 for a family of four.
• Open enrollment is longer than planned. A federal court threw out the rule that would have ended it on December 15. You can enroll from November 1, 2026 to January 15, 2027. Pick a plan by December 15 for coverage that starts January 1.
• Fewer immigrants qualify for subsidies. Starting January 1, 2027, premium tax credits are limited to green card holders, certain Cuban and Haitian entrants and Compact of Free Association (COFA) migrants.

Florida had 4,538,772 Marketplace sign-ups for 2026, the most of any state, and 94.6% of them got a subsidy, according to CMS.

2027 Florida Marketplace Insurers and Average Rate Changes

Source: Florida Office of Insurance Regulation, 2027 individual market rate table (October 16, 2026). Changes are averages based on 2026 enrollment, before subsidies.

Top Health Insurance Companies in Florida for 2027

Florida Blue (Blue Cross Blue Shield of Florida): Best Overall for Statewide Coverage

Florida Blue, the Blue Cross Blue Shield company in Florida, offers ACA Marketplace, employer and Medicare plans across all 67 Florida counties. It had 42% of Florida’s individual market in 2024, the largest share of any insurer, according to KFF.

Why it’s one of the best health insurance companies in Florida:

• Two Marketplace options: Florida Blue EPO plans (average 2027 rate change of 18.8%) and lower-increase Health Options HMO plans (9.5%)
• Large statewide provider network
• ACA, Medicare and employer coverage under one company
• Wellness and preventive care programs

Best for: Floridians who want broad provider access in any county.

2027 tip: If you have a Florida Blue EPO plan, compare it with a Health Options HMO plan. The HMO plans have about half the average increase, but you need to stay in network.

Discover more about this carrier in our Blue Cross Blue Shield Health Insurance review.

UnitedHealthcare: Best for Plan Variety

UnitedHealthcare (UHC) is one of the largest health insurers in the U.S. In Florida, it sells ACA Marketplace, Medicare Advantage, Medigap, employer and short-term plans.

Highlights:

• Broad lineup: ACA, Medicare Advantage, Medigap, D-SNP, short-term and employer plans
• Virtual care options and digital member tools
• Large national provider network

Best for: Individuals and families who want many plan types from one company.

Considerations: UnitedHealthcare of Florida has a 25.0% average Marketplace rate increase for 2027, the highest of the state’s 12 Marketplace insurers (FLOIR). If you have a UHC Marketplace plan, compare prices before you renew.

Discover more about this carrier in our UnitedHealthcare Health Insurance review.

Ambetter from Sunshine Health: Best for Budget Marketplace Plans

Ambetter, owned by Centene, sells ACA Marketplace plans in Florida in Bronze, Silver and Gold tiers. For 2027, its Marketplace company (Centene Venture Company Florida) has an average rate change of 5.9%, the lowest of Florida’s 12 Marketplace insurers (FLOIR).

Highlights:

• Lowest average Marketplace rate increase in Florida for 2027
• Silver plans with cost-sharing reductions if you qualify
• 24/7 telehealth and My Health Pays wellness rewards
• Maternity and behavioral health coverage, like all ACA plans

Best for: Individuals and families under 65 who want a lower-cost Marketplace plan.

If you had Sunshine State Health Plan in 2026: That company is leaving the Marketplace. Its members will be moved to an Ambetter plan for 2027 unless they pick a different plan.

Quick Tip: If you qualify for Marketplace subsidies, Ambetter’s Silver plans often give the best balance of cost and coverage. Estimate your savings with our ACA Subsidy Calculator.

Discover more about this carrier in our Ambetter from Sunshine Health insurance review.

Humana: Best for Medicare Advantage Coverage

Humana serves many Floridians through Medicare Advantage and Part D plans, with extras like dental, vision, hearing and fitness benefits. Humana does not sell ACA Marketplace plans, so it is an option if you are 65 or older or otherwise eligible for Medicare.

Highlights:

• About 95% of Humana’s Medicare Advantage members are in plans rated 4 stars or higher for 2027, according to the company
• Medicare Advantage plans with $0 premiums in many counties
• PPO, HMO and Special Needs Plans (SNPs)

Learn more about Florida Medicare Advantage plans.

Best for: Retirees who want Medicare coverage with extra benefits.

Discover more from this carrier in our Humana Health Insurance review.

WellCare: Best for Prescription Drug and Special Needs Plans

Owned by Centene, WellCare focuses on Medicare Advantage and Part D prescription drug plans. It offers $0 premium plan options in many Florida counties.

Highlights:

• Medicare Advantage and stand-alone Part D plans
• Flexible benefits with the Wellcare Spendables card on some plans
• Telehealth and a multilingual app

Best for: Seniors and people with both Medicare and Medicaid who focus on drug coverage and value.

Discover more from this carrier in our WellCare Health Insurance review.

Aetna: Best for Employer and Medicare Coverage

Aetna, part of CVS Health, offers Medicare Advantage, Medigap and employer coverage in Florida. Aetna left the ACA Marketplace after 2025, so you can’t buy an Aetna plan on HealthCare.gov for 2027.

Highlights:

• National provider network and CVS pharmacy integration
• Medigap and employer plan options
• Mixed consumer reviews on billing and claims communication

Best for: Employees and retirees who want health and pharmacy benefits that work together.

Discover more from this carrier in our Aetna Health Insurance review.

Oscar Health: Best for Digital Care Experience

Known for its tech-forward approach, Oscar Health sells Marketplace HMO plans in select Florida counties. Its average 2027 rate change is 10.3%, close to the state average (FLOIR).

Highlights:

• Strong mobile app and virtual-first care
• Virtual urgent care included on many plans
• HMO networks, so you need to use in-network doctors

Best for: People who like to manage their care online.

Discover more from this carrier in our Oscar Health Insurance review.

Insurers Leaving Florida’s Marketplace for 2027

If your 2026 Marketplace plan came from one of these companies, you need a new plan for 2027:

• Cigna: Cigna Health and Life Insurance Co. and Cigna Healthcare of Florida are leaving. Cigna announced in April 2026 that it would exit the ACA market in 11 states.
• Molina Healthcare of Florida: Molina is not on the state’s list of 2027 Marketplace insurers.
• Sunshine State Health Plan: Members will be moved to an Ambetter plan unless they choose another one.

Don’t wait for an automatic switch. Log in during open enrollment, check that your doctors and drugs are covered and pick a plan by December 15 so your new coverage starts January 1.

How to Lower Your Florida Health Insurance Costs in 2027

Check your subsidy. In 2026, Florida Marketplace enrollees paid $106 a month on average after subsidies, and those who got a subsidy paid $62 on average (CMS). Most Floridians who buy their own coverage still qualify for help.

Watch the 400% income limit. If your 2027 income ends up above 400% of the poverty level, you lose the whole credit and may owe it back at tax time. Read how paying back the premium tax credit works before you estimate your income.

Look at Silver plans if your income is low. If your income is between 100% and 250% of the poverty level, a Silver plan with cost-sharing reductions lowers your deductible and copays. More than 2.1 million Floridians got cost-sharing reductions in 2026 (CMS).

Know about the Medicaid gap. Florida has not expanded Medicaid. About 267,000 uninsured adults in Florida earn too little for Marketplace subsidies but don’t qualify for Medicaid, according to KFF.

Check Florida KidCare for children. Subsidized Florida KidCare coverage is available for children in families with income up to 200% of the poverty level. A 2023 law to raise that limit to 300% has not taken effect.

Shop again, even if you like your plan. Average 2027 increases range from 5.9% to 25.0% depending on the insurer. A plan that was the best deal in 2026 may not be the best deal in 2027.

Methodology

This guide evaluates companies offering the best Florida health insurance plans, drawing from our insurer review series. We looked at coverage area, plan variety, 2027 rate changes, digital tools, care quality and transparency.

2027 rate changes and the list of Marketplace insurers come from the Florida Office of Insurance Regulation. Enrollment and subsidy figures come from CMS. Financial stability was checked through AM Best, and quality and satisfaction data come from NCQA, the American Customer Satisfaction Index (ACSI) and J.D. Power. Complaint ratios were cross-checked with the National Association of Insurance Commissioners (NAIC).

Frequently Asked Questions

How much is health insurance going up in Florida for 2027?

Florida Marketplace rates are going up 10.4% on average for 2027. The average monthly premium before subsidies rises from $811 to $898. Average increases by insurer range from 5.9% (Ambetter) to 25.0% (UnitedHealthcare).

When is open enrollment in Florida for 2027 coverage?

Open enrollment runs from November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.

Which insurers are leaving the Florida Marketplace in 2027?

Cigna, Molina Healthcare of Florida and Sunshine State Health Plan are not selling Marketplace plans in Florida for 2027. Sunshine State Health Plan members will be moved to Ambetter unless they choose another plan.

Do ACA plans cover maternity and mental health?

Yes. Under the Affordable Care Act, all Marketplace plans must cover 10 essential health benefits, including maternity care, mental health care and prescription drugs.

Is Florida Blue the same as Blue Cross Blue Shield?

Yes. Florida Blue is the Blue Cross Blue Shield company in Florida and serves all 67 counties.

Can I buy short-term or off-exchange coverage in Florida?

Yes. Some insurers sell plans outside HealthCare.gov, and UnitedHealthcare offers short-term medical plans in Florida in select counties. Off-exchange plans don’t come with premium tax credits, and short-term plans are not ACA-compliant and may exclude pre-existing conditions.

Bottom Line

The best health insurance in Florida for 2027 depends on your health needs, budget and county.

• For ACA coverage, start with Florida Blue for its statewide network, Ambetter for the lowest 2027 increase or Oscar Health for digital tools.
• For Medicare, Humana, WellCare, Aetna and UnitedHealthcare lead the field.
• If your income is low, look at Silver plans with cost-sharing reductions and check Medicaid and KidCare.
• If your insurer is leaving (Cigna, Molina or Sunshine State Health Plan), pick a new plan by December 15.

Compare plans through HealthCare.com, our parent company, or with a licensed insurance agent to see how each insurer performs in your ZIP code.

Sources

• Florida Office of Insurance Regulation, Individual PPACA Market Monthly Premiums for Plan Year 2027 (October 16, 2026)
• CMS, 2026 Open Enrollment State-Level Public Use File
• HealthCare.gov, Dates and Deadlines
• CMS, Statement on City of Columbus v. Kennedy (July 31, 2026)
• Federal Register, 2026 Poverty Guidelines
• Center for American Progress, When the One Big Beautiful Bill Act’s Health Provisions Take Effect
• KFF, Market Share of Largest Insurers, Individual Market
• KFF, Adults in the ACA Coverage Gap
• STAT, Cigna Exits ACA Market for 2027 (April 30, 2026)
• WUSF, Judge Won’t Order Expanded KidCare Access (July 30, 2026)

The views and opinions expressed are those of the authors and do not necessarily reflect the official policy or position of HealthCareInsider.com or HealthCare, Inc.