Exchange
HealthCare.gov
Federal exchange
Medicaid Expansion
❌ Not Expanded
Limited Medicaid eligibility
Avg. Benchmark Premium
$560/mo
Age 40, Silver plan
Florida ACA Health Insurance Overview
Florida leads the nation in ACA marketplace enrollment, with over 3.5 million residents signed up through HealthCare.gov. Approximately 92% of Florida enrollees receive premium tax credits. Florida has not expanded Medicaid, which means the marketplace is the main source of subsidized coverage for residents who don't qualify for employer-sponsored insurance.
Florida Income Limits for ACA Subsidies (2026)
ACA subsidy eligibility is based on the Federal Poverty Level (FPL). The table below shows key income thresholds for an individual in Florida. For a family, multiply by the household size factor (e.g., a family of 4 at 100% FPL ≈ $50,706/year).
| FPL Level | Annual Income (Individual) | Significance |
|---|---|---|
| 100% FPL | $15,650 | Minimum income for marketplace subsidy eligibility |
| 138% FPL | $21,597 | Would be Medicaid threshold if state expanded (not applicable) |
| 150% FPL | $23,475 | Below this threshold, $0-premium Silver plans are often available |
| 400% FPL | $62,600 | Traditional “subsidy cliff” — but the ARP extension through 2025 removed the cliff, capping premiums at 8.5% of income for all enrollees |
Based on 2025 Federal Poverty Guidelines used for the 2026 plan year. Alaska and Hawaii have higher FPL thresholds.
How ACA Subsidies Work in Florida
In Florida, ACA premium tax credits bridge a critical coverage gap since the state has not expanded Medicaid. Subsidies are calculated so that you pay no more than a set percentage of your income for a benchmark Silver plan. Many Floridians with moderate incomes can find $0-premium Bronze plans after subsidies.
How to Enroll in Florida
Florida uses the federal exchange at HealthCare.gov.
Visit HealthCare.gov during Open Enrollment to browse plans, compare premiums, and apply for subsidies. You can also call the marketplace helpline at 1-800-318-2596.
Medicaid in Florida
Florida has not expanded Medicaid.
Without Medicaid expansion, adults without dependent children may have very limited Medicaid eligibility. There may be a “coverage gap” for people who earn too much for traditional Medicaid but too little for marketplace subsidies. Check your state's Medicaid program for current eligibility rules.
Calculate Your Florida Premiums
See how the subsidy cliff affects your specific situation.
Open Calculator →See How the 2026 Subsidy Cliff Affects You
Enter your income and household size for a personalized premium comparison.
Calculate Your 2026 Premium Impact →Related Resources
⚠️ Disclaimer
This calculator provides estimates for educational purposes only. It is not a substitute for professional advice. Actual premiums, subsidies, and eligibility may vary based on your specific circumstances, location, and available plans. We are not licensed insurance agents or brokers. For official information, visit HealthCare.gov or contact a licensed insurance professional. This site is not affiliated with the U.S. government, CMS, or any insurance company.