The Florida Office of Insurance Regulation (OIR) has released its official table of individual ACA market premiums for 2027, showing an approved average weighted increase of 10.4%. This adjustment would raise the average monthly premium per person from $811 to $898, prior to the application of any federal subsidies.
These figures, based on actual enrollment data from 2026 and including plans both inside and outside the federal Marketplace, do not apply uniformly across all policyholders. They represent a market-weighted average and do not necessarily predict changes for a specific policy, which depend on factors such as age, county, metal level, and chosen plan.
The OIR cautions that this data "has not been reviewed or finalized by the Department of Health and Human Services" and is subject to change.
Differences among insurers are significant. UnitedHealthcare of Florida leads with a 25% increase, which would elevate its average premium from $825 to $1,031 per month per person. This is followed by Blue Cross and Blue Shield of Florida (EPO) and AmeriHealth Caritas Florida, both experiencing an 18.8% increase, moving from $1,099 to $1,306 and from $647 to $768, respectively.
Conversely, Oscar Insurance Company of Florida—operating only outside the Marketplace—has the most modest increase at 3.7%, with its average premium rising from $707 to $733. Centene Venture Company Florida sees a 5.9% hike, from $758 to $802, and Ambetter Health of Florida a 7.2% increase, from $669 to $717.
Mid-Range Premium Increases
Among insurers with increases around the average, AvMed sees a 10.7% rise (from $896 to $992), and Capital Health Plan an 11.6% increase (from $740 to $827).
This 10.4% increase follows a particularly challenging year for Floridians with individual coverage. In 2026, premiums had already risen by an average of 34%, largely due to the expiration of expanded ACA tax credits—initiated by the American Rescue Plan Act and extended by the Inflation Reduction Act—on December 31, 2025, without renewal.
As a result, approximately 440,000 Floridians dropped their plans during 2026, marking the largest enrollment decline among all states.
Fewer Insurance Options
Adding to the price pressure is a reduction in available options. Cigna Healthcare announced it will not offer individual and family health plans starting January 1, 2027; its individual and family dental plans remain unaffected. Sunshine Health and Molina have also confirmed their exit from Florida's individual market for the coming year.
For those needing to compare options before making a decision, HealthCare.gov provides a preview tool. By entering a ZIP code, household size, and estimated income for 2027, users can obtain an estimate of the monthly price with potential applicable subsidies. The final price and exact subsidy are only confirmed upon completing the official application.
Those preparing for enrollment can also check how to get ready for the opening of the Obamacare 2027 portal, with recommended steps to take before starting the process.
Open enrollment at HealthCare.gov begins this Saturday, November 1. To ensure coverage starts on January 1, 2027, the deadline for enrollment and payment of the first premium is December 15; those enrolling between December 16 and January 15, 2027, will have coverage beginning February 1.
Common Questions About Florida Health Insurance Premiums
Why are Florida health insurance premiums increasing in 2027?
Premiums are increasing due to the expiration of expanded ACA tax credits and other market factors, resulting in a 10.4% average increase for 2027.
How can I estimate my premium for 2027?
You can use the preview tool at HealthCare.gov by entering your ZIP code, household size, and estimated income to get an idea of your monthly premium and potential subsidies.
What should I do if my insurer is exiting the Florida market?
If your insurer is leaving the market, you should explore other available options through HealthCare.gov during the open enrollment period to ensure continued coverage.