Florida individual health insurance rates are rising about 15.3% on average for 2027, with carrier increases ranging from 3.9% to 39.1%. The best way to avoid a surprise bill is to re-shop during Open Enrollment (November 1, 2026 to January 15, 2027) instead of letting your plan auto-renew. This matters most if you earn above 400% of the federal poverty level or buy off-exchange, because you pay the full increase with no subsidy.
Key takeaways
- Proposed 2027 Florida individual rates: +15.3% unweighted average, with a range of +3.9% (Centene Venture Co) to +39.1% (AmeriHealth Caritas).
- Subsidies follow the benchmark silver plan, so many subsidized enrollees are partly protected.
- People above 400% FPL and off-exchange buyers pay the whole increase.
- Changing metal levels, choosing an HSA-eligible bronze plan, looking at off-exchange PPOs, updating your income, and re-shopping every year can help limit the increase.
- Enroll by December 15, 2026 for a January 1 start.
How big is the 2027 increase?
ACA Signups’ analysis of Florida’s preliminary filings shows a 15.3% unweighted average increase for the individual market. Florida redacts carrier enrollment data, so a weighted average isn’t available. As of late September 2026, no final approved rates had been released, so your renewal notice may differ. The average also hides a wide range. The same plan type can go up 4% with one carrier and nearly 40% with another. That is why automatic renewal can be expensive.
Why rates are rising
- Enhanced subsidies expired. The enhanced premium tax credits ended after 2025. About 440,000 Floridians lost marketplace coverage in the first two months of 2026. When healthier people leave, the remaining risk pool costs more to insure.
- Carrier exits. Cigna, Molina Healthcare of Florida, and Sunshine State Health Plan are leaving the individual market, which means less competition in some counties.
- Medical and drug costs. Hospital prices, specialty drugs, and higher use of care continue to push claims up.
- A higher cost-sharing ceiling. The ACA out-of-pocket maximum rises to $12,000 individual / $24,000 family in 2027, so your exposure grows even if your premium doesn’t.
Subsidized vs. unsubsidized: who feels the increase
Premium tax credits are set so you pay a fixed share of the benchmark (second-lowest-cost silver) plan. When the benchmark rises, the subsidy usually rises with it. If you have a subsidy and stay with a plan priced close to the benchmark, you are partly protected. People above the cliff are not.
| Enrollee type | Effect of a 15% increase | Best move |
|---|---|---|
| Subsidized, under 400% FPL | Subsidy usually rises with the benchmark. Your net cost may change only a little, but it can rise if the plan you’re in went up more than the benchmark. | Update your income and compare against the new benchmark. |
| Above 400% FPL (about $63,840 single / $132,000 family of four) | No subsidy. You pay the full increase. | Re-shop metal levels, HSA-eligible bronze, and off-exchange PPOs. |
| Off-exchange buyer | No subsidy. You pay the full increase. | Confirm you really don’t qualify for a subsidy, then compare carriers. |
Poverty-level figures come from the 2026 HHS poverty guidelines, which apply to 2027 coverage. For a deeper look, read understanding health insurance subsidies and tax credits.
Strategies to avoid sticker shock
1. Reconsider your metal level
If you rarely use care, moving from gold to silver or bronze can offset much of the increase. If you have ongoing treatment, a richer plan may still cost less over the year. Our guide on choosing between bronze, silver, and gold plans explains how to decide.
2. Look at an HSA-eligible bronze plan
For 2027, HSA-eligible plans must have a deductible of at least $1,750 (individual) or $3,500 (family), with out-of-pocket costs capped at $8,700 or $17,400. You can put up to $4,500 (individual) or $9,000 (family) into an HSA, plus a $1,000 catch-up at age 55. Contributions are tax-deductible. For self-employed people and early retirees in Orlando, Tampa, or Volusia County who are above the subsidy cliff, the tax savings can make up part of the premium increase. See health savings accounts for the self-employed.
3. Compare off-exchange PPO options
Off-exchange ACA plans have the same ACA protections as HealthCare.gov plans, but no subsidies. Some carriers offer PPO networks only off-exchange. That can matter if you want broad access to systems such as AdventHealth, Orlando Health, Mayo Clinic Jacksonville, Moffitt, or Baptist Health. Compare them with on-exchange options such as Florida Blue’s BlueOptions PPO. Some buyers also look at medically underwritten private plans. These plans may exclude pre-existing conditions and lack ACA protections, so they are not a good fit for everyone.
4. Update your income
If you’re self-employed or your income varies, estimate your 2027 income carefully. Retirement contributions and HSA deposits can lower the income used to figure subsidies. Near the 400% FPL line, a few thousand dollars can decide whether you get a tax credit. HealthCare.gov lets you update your application when you renew.
5. Re-shop every year
Carriers, networks, and prices change every year, and 2027 has more changes than usual. Compare Florida Blue, Ambetter from Sunshine Health, Oscar, UnitedHealthcare, AmeriHealth Caritas, AvMed, and 22 Health before December 15. See HealthCare.gov’s dates and deadlines and our individual and family health insurance options.
Frequently Asked Questions
How much are Florida health insurance rates going up in 2027?
Proposed Florida individual-market rates for 2027 are up 15.3% on average (unweighted), ranging from 3.9% to 39.1% depending on the carrier. As of late September 2026, final approved rates had not been published.
Will my subsidy cover the 2027 rate increase?
If you qualify, your premium tax credit is based on the benchmark silver plan, so it usually rises when that plan’s price rises. If you earn above 400% FPL or buy off-exchange, you get no subsidy and pay the full increase.
Is an HSA-eligible bronze plan a good way to save in 2027?
It can be for healthy people. In 2027, an HSA-eligible plan must have a deductible of at least $1,750 for an individual or $3,500 for a family. You can contribute up to $4,500 or $9,000 to an HSA, plus $1,000 more if you’re 55 or older.
Are off-exchange plans cheaper than HealthCare.gov plans?
Not necessarily. Off-exchange ACA plans have the same protections but no subsidies. They make the most sense for people who don’t qualify for a subsidy, especially if a carrier offers an off-exchange PPO network you want.
Talk to a Florida broker before you renew
Before you accept a higher renewal price, have us compare it with every carrier you’re eligible for, on and off the exchange. 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.