Health Insurance in Florida for the Self-Employed & Families

I am an independent, licensed health insurance broker and I am licensed in Florida. I compare Florida plans across multiple insurance companies, explain the trade-offs in plain English, and help you enroll. There is no fee for my help — the insurance company pays the broker, not you.

Florida has the largest ACA marketplace enrollment in the country.

How coverage works in Florida

Florida uses the federal marketplace at HealthCare.gov. That is where Florida residents compare ACA plans and claim a premium tax credit. I can quote those plans for you alongside the private options, so you are comparing everything at once rather than one window at a time.

The coverage gap — worth understanding before you shop

Florida is one of the states that has not adopted full Medicaid expansion. That creates the so-called coverage gap: premium tax credits on the marketplace generally start at 100% of the federal poverty level, and Florida Medicaid covers only certain groups — typically pregnant women, parents of minor children, and people with disabilities — at very low incomes. Some adults earning under the poverty level end up eligible for neither.

If that sounds like your situation, do not assume you are stuck. There are usually still options worth looking at, and it costs you nothing to ask.

Your realistic options in Florida

• ACA / marketplace plans. Guaranteed acceptance — your health history cannot be used to decline you or raise your price. If your income qualifies, a premium tax credit lowers what you pay each month.
• Private, medically underwritten plans. These ask health questions. For healthy applicants they are often cheaper than full-price marketplace coverage, and they can be applied for at any time of year rather than only during Open Enrollment.
• Small business / group coverage. If you have employees in Florida, group coverage is worth pricing — it is often the strongest benefit a small employer can offer.
• Short-term and supplemental. Useful for bridging a gap between jobs, or adding dental, vision, accident and critical-illness coverage alongside a main plan. Duration limits vary by state, so ask me what applies in Florida right now.

Who I usually help in Florida

Self-employed people and 1099 contractors, families buying their own coverage, people who have just lost coverage through a job, small business owners, and people retiring before Medicare starts. If you earn too much to qualify for a premium tax credit, that is worth a conversation: the enhanced subsidies expired, so there is now a hard cut-off at 400% of the federal poverty level, and above it the math changes.

Posey Health Solutions · National Producer Number 20609967 · licensed in Florida and 30 other states. This page is general information, not advice about a specific plan, and it is not tax advice. Plan availability and carrier participation vary by county and plan year.