How the Marketplace works in Florida
Marketplace plans are sold by private insurance companies but follow federal rules: they cover a standard set of essential health benefits, and you can't be turned down or charged more because of a pre-existing condition. Plans are grouped into metal levels (Bronze, Silver, Gold and Platinum) based on how costs are split between you and the plan.
When you can enroll
Open Enrollment for the coming year starts on November 1. To have coverage that starts on January 1, enroll by December 15. HealthCare.gov publishes the final deadline for each year, and it has changed in recent years, so check it rather than counting on a January deadline.
During Open Enrollment you can also switch plans or update your information. If you already have a Marketplace plan, review it every year: premiums, networks and your financial help can all change.
Special Enrollment Periods
Outside Open Enrollment, you can enroll only after a qualifying life event, usually within 60 days of it. Common examples:
- Losing other health coverage, such as a job-based plan or Medicaid.
- Moving to a new area where different plans are available.
- Getting married, or having or adopting a child.
Financial help
Many Florida families qualify for premium tax credits that lower their monthly payment, and some also qualify for lower out-of-pocket costs on Silver plans. The amount depends on your household's expected income, household size and the federal rules for that year, which have changed recently. We'll calculate your exact amount for the current year before you choose a plan.
If your income changes during the year, report it so your help is adjusted; otherwise you may owe money, or get money back, when you file your taxes.
What to have ready
Enrollment goes faster if you have:
- Social Security numbers, or immigration documents, for everyone applying.
- An estimate of your household income for the coming year (recent pay stubs or last year's tax return help).
- Information about any coverage you have now, including job-based coverage you were offered.
- A list of your doctors and prescriptions, so we can check which plans include them.
Free help, in English or Spanish
Licensed agents are paid by the insurance companies, so your premium is the same whether you enroll on your own or with us. We compare plans side by side, check that your doctors and prescriptions are covered, and help with the application and any follow-up documents, in English or Spanish.
Frequently asked questions
Does it cost more to enroll through an insurance agent?
No. Marketplace premiums are the same whether you enroll on your own or through a licensed agent. Agents are paid by the insurance companies.
What if I miss the Open Enrollment deadline?
You'll need a qualifying life event, such as losing other coverage or moving, to enroll before the next Open Enrollment. Call us and we'll check whether you qualify.
Do I have to re-enroll every year?
Many plans renew automatically, but you should still review your coverage every Open Enrollment, because premiums, networks and your financial help can change from year to year.
Can you help me in Spanish?
Yes. Our whole team is bilingual and can walk you through every step of the application in Spanish.
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Get free help with Florida health insuranceThis guide is general information, not legal or tax advice. Coverage depends on your policy and insurance company, and Florida rules can change. Talk to a licensed agent about your situation.