ACA Marketplace Plans in Florida
The ACA marketplace offers four metal tiers — Bronze, Silver, Gold, and Platinum — with different premium and cost-sharing trade-offs. Subsidies (premium tax credits) are available based on household income and can dramatically reduce your monthly cost.
All marketplace plans cover pre-existing conditions with no waiting period and no health underwriting. Enrollment is open November 1 through January 15 each year, with Special Enrollment Periods available for qualifying life events.
ACA Marketplace Plans in Florida
Advantages
- Covers pre-existing conditions with no waiting period
- Subsidy-eligible — premium tax credits can significantly reduce your cost
- ACA minimum essential coverage — satisfies coverage requirements
- Essential health benefits guaranteed (preventive care, mental health, maternity, Rx, and more)
- No underwriting or health questions required to enroll
- Annual enrollment opportunity regardless of health status
Things to Consider
- Premiums can be higher, especially without subsidy eligibility
- Bronze plans have high deductibles before most benefits kick in
- Network options may be limited in some counties
- Enrollment is generally limited to Open Enrollment (Nov 1 – Jan 15) or a qualifying life event
Representative Plans in Florida (2026)
| Tier | Plan Name | Issuer | Est. Premium | Deductible | OOP Max |
|---|---|---|---|---|---|
| Capital Health Plan HMO Bronze 1100 | Capital Health Plan | ~$458/mo (age 40) | $8,000 | $10,150 | |
| Clarity Silver | Ambetter Health | ~$554/mo (age 40) | $8,000 | $8,400 | |
| Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | Health First Commercial Plans, Inc. | ~$545/mo (age 40) | $2,200 | $7,950 |
Premiums shown are the full unsubsidized cost for a 40-year-old. Your actual premium after tax credits may be significantly lower. Plans shown are the lowest-premium options from CMS PY2026 data; your county may have different options available.
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