Florida’s Open Enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, and you need to pick a plan by December 15, 2026 for coverage that starts January 1. This year matters more than most: premiums are up about 15.3% on average, several carriers are leaving, and anyone earning more than 400% of the federal poverty level no longer gets a subsidy. If you let your plan auto-renew without checking it, you could pay a lot more for less.
Key takeaways
- Dates: November 1, 2026 to January 15, 2027. Enroll by December 15 for a January 1 start.
- Court fight: A shorter window was blocked in court and HHS appealed. The full window applies for 2027, but don’t wait until the last week.
- Subsidy cliff: Households above 400% FPL (about $63,840 for a single person) get no premium tax credit.
- Rates: Proposed Florida individual-market rates are up 15.3% on average (unweighted).
- Carrier exits: Cigna, Molina Healthcare of Florida, and Sunshine State Health Plan are leaving the individual market.
- Out-of-pocket max: $12,000 individual / $24,000 family in 2027.
2027 Open Enrollment dates for Florida
Florida doesn’t run its own exchange, so HealthCare.gov sets the deadlines. According to HealthCare.gov’s dates and deadlines page, the key dates are:
| Date | What happens |
|---|---|
| November 1, 2026 | Open Enrollment opens. Shop, switch, or renew. |
| December 15, 2026 | Last day to enroll for coverage starting January 1, 2027 |
| December 16, 2026 – January 15, 2027 | Enrollments start February 1, 2027 |
| After January 15, 2027 | You can enroll only with a qualifying life event (Special Enrollment Period) |
The court fight over a shorter window
HHS proposed a rule that would have ended Open Enrollment on December 15. A federal court blocked it, and HHS appealed. In an August 2026 CMS statement, the agency confirmed that the federal exchange’s Open Enrollment for 2027 runs from November 1, 2026 through January 15, 2027. As of late September 2026, the appeal was still pending and no appeals ruling had changed these dates. Our advice is the same either way: finish enrolling by December 15. That gets you a January 1 start and protects you if anything changes. For more on how enrollment windows work, see our guide to health insurance enrollment deadlines and how to enroll.
What’s changing for 2027
The 400% FPL subsidy cliff is back
The enhanced premium tax credits under the American Rescue Plan and the Inflation Reduction Act expired at the end of 2025. The House passed a three-year extension in January 2026, but it never became law. That means the cliff is back for 2027. Households earning more than 400% of the federal poverty level get no premium tax credit at all. Using the 2026 HHS poverty guidelines (which apply to 2027 coverage), the cutoff is about $63,840 for a single person, $86,560 for a couple, and $132,000 for a family of four. Self-employed professionals, business owners, and early retirees in Orlando, Tampa, or Volusia County often land just above these lines. For them, a small change in reported income can decide whether they get thousands of dollars in help. Learn more in understanding health insurance subsidies and tax credits.
Rates up about 15.3%
Proposed 2027 individual-market rates in Florida are up 15.3% on average (unweighted), ranging from 3.9% for Centene Venture Co to 39.1% for AmeriHealth Caritas, according to ACA Signups’ review of Florida’s filings. As of late September, final approved Florida rates had not been published. If you buy off-exchange or earn above 400% FPL, you absorb the full increase.
Carrier exits
Cigna (Cigna Health & Life and Cigna HMO), Molina Healthcare of Florida, and Sunshine State Health Plan are leaving Florida’s individual market after 2026. Enrollees in Sunshine State Health Plan are likely to be mapped to Ambetter. Community Care Network (22 Health) is not leaving. The carriers to compare for 2027 include Florida Blue (BlueOptions PPO, myBlue HMO, BlueSelect), Ambetter from Sunshine Health, Oscar, UnitedHealthcare, AmeriHealth Caritas, AvMed, and 22 Health.
Higher out-of-pocket maximum
For 2027, the ACA out-of-pocket maximum rises to $12,000 for an individual and $24,000 for a family, up from $10,600 and $21,200. A plan with a low premium can still leave you with a large bill if you have surgery at AdventHealth or Orlando Health, or start cancer treatment at Moffitt.
The auto-renewal trap
If you do nothing, HealthCare.gov will generally renew you into your current plan. If your plan or carrier is ending, it will assign you a replacement plan. That plan may not include your doctors, your prescriptions, or your preferred hospital, such as Mayo Clinic Jacksonville or Baptist Health. It can also carry a subsidy based on outdated income. HealthCare.gov encourages you to update your application and compare plans every year. Choose your own plan on purpose. If you’re weighing a change, read should you switch health insurance plans during Open Enrollment.
Your 2027 Open Enrollment checklist
- Log in to HealthCare.gov before November 1. Confirm everyone in your household, your address, and any agent or broker listed on your account.
- Check your carrier. If you’re with Cigna, Molina, or Sunshine State Health Plan, plan to pick a new carrier.
- Estimate your 2027 income carefully. Compare it with the 400% FPL line for your household size.
- List your doctors, hospitals, and prescriptions. Check each one against each plan’s network and drug list.
- Compare total cost, not just premium. Add a year of premiums to the deductible and the out-of-pocket maximum.
- Consider off-exchange and HSA-eligible options if you won’t get a subsidy.
- Enroll by December 15 and save your confirmation. Then pay your first premium so coverage takes effect.
Some higher-income buyers also ask about private, medically underwritten plans. These plans may exclude pre-existing conditions and lack ACA protections such as the out-of-pocket cap and essential health benefits. They are not the right fit for everyone, and they should be compared side by side with ACA major medical coverage.
Frequently Asked Questions
When is Open Enrollment for 2027 health insurance in Florida?
Florida uses HealthCare.gov, so Open Enrollment runs November 1, 2026 through January 15, 2027. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027. Plans chosen December 16 through January 15 start February 1.
Is the 2027 Open Enrollment window being shortened?
Not this year. HHS proposed ending enrollment on December 15, a federal court blocked that change, and HHS appealed. CMS has confirmed the November 1 to January 15 window for 2027 coverage. The appeal is still pending, so the safest move is to enroll by December 15.
Will I get a subsidy in 2027 if I earn more than 400% of the poverty level?
No. The enhanced premium tax credits expired at the end of 2025, so the 400% FPL cliff is back. For 2027 coverage, that is about $63,840 for a single person, $86,560 for a couple, and $132,000 for a family of four. Above those amounts you pay full price.
What is the out-of-pocket maximum for 2027?
The ACA out-of-pocket maximum for 2027 is $12,000 for an individual and $24,000 for a family, up from $10,600 and $21,200 in 2026. Many plans set lower limits, so check the number on each plan you compare.
Talk to a Florida broker before you renew
Open Enrollment goes faster when someone who knows every Florida carrier checks the options with you. Michael McAllister, owner of Choice Health Insurance Brokers in DeLand, is a licensed health insurance broker (NPN 18229135) with 10 years in business, appointed with 200 carriers and able to quote on- and off-exchange, public and private plans. There is no cost to use a broker for your enrollment. Call or text 321-230-9536 or visit choice.healthcare to book your 2027 plan review.