Health Insurance Marketplace Florida — 2026 Plans Now Active

APTC lowers your premium right away based on household size, modified adjusted gross income (MAGI), and the federal poverty level (FPL). It’s calculated against a benchmark Silver plan in your rating area and can be applied to any metal tier. Report income and household changes during the year to keep your credit accurate and avoid tax-time surprises.

CSR is available only on Silver plans for households in specific FPL ranges. If you qualify, your deductible, copays, coinsurance, and MOOP are reduced, effectively turning a Silver plan into something that feels more like a richer tier. For many eligible Floridians, a CSR Silver plan beats Bronze on total yearly cost, even if the Bronze premium starts lower.

HMO plans emphasize in-network care and usually require referrals from your primary care provider. EPO plans cover in-network care without referrals but rarely include out-of-network coverage except for emergencies. PPO plans allow out-of-network care with higher cost sharing and typically have higher premiums. We’ll map these tradeoffs against your actual doctors and hospitals so the network choice fits how you really use care.

You may qualify for a Special Enrollment Period (SEP) after a qualifying life event such as losing other coverage, moving, getting married, or having a baby/adopting a child. SEPs are time-limited and may require documentation. Effective dates depend on when the event occurs and when you select a plan, so it’s important to act quickly if your situation changes.

Carriers place medications on formulary tiers (generic, preferred brand, non-preferred, specialty) with different copays or coinsurance. Using preferred pharmacies, mail-order, or 90-day fills can lower ongoing costs—especially for chronic conditions. During enrollment, we check how your current medications land on each carrier’s 2026 formulary and highlight ways to reduce out-of-pocket costs.