Health insurance in Florida for 2027

In its quarterly report for the period ending June 30, 2026, The Cigna Group says that in April 2026 it “announced its planned exit from the Individual and Family Plans medical business as of January 1, 2027.” (The Cigna Group is a separate company from the Cigna insurance companies that issue these plans, and it isn’t responsible for their financial condition or their obligations under their policies.) KFF’s tracker of insurer changes, updated October 7, 2026, says Cigna “will exit the 11 states in which it currently participates both on- and off-exchange,” and Florida is on its list. No Cigna company has a 2027 Florida rate filing on CMS’s rate review site. Your Cigna plan runs through December 31, 2026. After that, whether you bought it on HealthCare.gov or straight from Cigna, plan on a different company’s plan.

In 2026, Cigna sold HealthCare.gov plans in 11 of Florida’s 67 counties: Broward, Collier, Indian River, Lake, Martin, Miami-Dade, Orange, Osceola, Palm Beach, St. Lucie and Seminole. Its EPO plans, shown on HealthCare.gov as Cigna Healthcare, come from Cigna Health and Life Insurance Company. In six of those counties there are also HMO plans from Cigna Healthcare of Florida, Inc. In each of the 11 counties, at least five other companies that sold HealthCare.gov plans there in 2026 have filed 2027 rates that include HealthCare.gov plans (counting Florida Blue’s two companies separately): five in Collier, Indian River, Martin and St. Lucie, up to nine in Orange and Seminole. I haven’t found a public list yet of where each one will sell in 2027.

Your letters. If your plan came through HealthCare.gov, HealthCare.gov says you should get two letters by November 1: one from your insurance company, and one from the Marketplace, which is HealthCare.gov itself. The insurance company’s letter should say whether your plan is available for 2027 and whether the company is offering you anything else. Together, HealthCare.gov says, the two letters tell you which plan, if any, you’ve been matched with. The Marketplace’s letter also tells you anything you need to do to keep getting a tax credit. Keep both.

If you do nothing. HealthCare.gov says: “If your company isn’t offering plans for next year, we’ll re-enroll you in a plan with a different insurance company. Your plan doesn’t start until you pay your first monthly premium.” So if that happens, watch for the new company’s first bill and pay it. The federal rule says the Marketplace “may” make that move: where Florida’s insurance regulator directs, or, if the regulator gives no direction, into a similar plan the Marketplace chooses. CMS’s enrollment manual says it then looks for a plan that covers where you live, at the same level (like silver) and of the same type (like HMO) where it can, weighing which company can take on new members and which plan has the lowest premium. Your doctors and prescriptions aren’t on that list. HealthCare.gov also says that in some cases you won’t be re-enrolled at all.

If you bought your Cigna plan outside HealthCare.gov, the Marketplace won’t move you. It re-enrolls only people it enrolled, and CMS’s standard letter for a plan ending off HealthCare.gov says to pick a different plan by a set date or go without coverage. You can pick one on HealthCare.gov or off it, but only a plan bought through HealthCare.gov can come with a tax credit.

If you miss December 15. Because your plan is ending, you also get a special enrollment period. HealthCare.gov counts a discontinued plan as losing coverage, and gives you 60 days before and 60 days after your coverage ends to pick a new plan. Pick one before your coverage ends and it starts the first day of the month after your coverage ends, so a plan picked by December 31 would start January 1. Pick one later and it starts the first day of the month after you pick. Either way, you may be asked for documents showing the loss, and if you’re new to HealthCare.gov, CMS says you’ll have to send them before you can use the plan. You have 30 days after picking to send them, and if you’re asked and don’t, you won’t qualify. And if you’re already on HealthCare.gov, it may only let you choose from your current plan category, like bronze or silver. Don’t plan around the special enrollment period. December 15 is simpler.

What I’d do now:

• Watch for those two letters and keep them. If you’re asked for proof, you’ll need “documents showing the lost coverage and the date it ends,” in HealthCare.gov’s words.
• Write down your doctors, your hospital and every prescription you take.
• Update your 2027 application on HealthCare.gov, income included. HealthCare.gov says that when the application asks whether you’re losing coverage, you should say you’re losing it on December 31.
• When 2027 plans show up on HealthCare.gov, check each one you’re considering for your doctors and drugs, including any plan you’re matched with, and call your doctors’ offices to ask whether they’ll take that plan in 2027.
• Pick your plan by December 15, and pay the new company’s first bill, so it starts January 1.

Florida uses HealthCare.gov. For plan year 2027, CMS lists Florida as a federally facilitated marketplace state. I help people in Florida enroll through HealthCare.gov and HealthSherpa.

Open enrollment starts November 1, 2026. A plan you pick by December 15 starts January 1, 2027. A plan you pick from December 16 through January 15, 2027 starts February 1.

The January 15 end date is contested. CMS gives that date, and so does HealthCare.gov’s own dates page. A federal rule finalized in June 2025 would have ended open enrollment on December 15 instead. A federal district court threw out that part of the rule in June 2026, the government appealed, and the appeals court set argument for October 30, 2026. Until a court changes them, CMS’s dates are the ones that count. My 2027 open enrollment guide follows the case.

These are the 13 companies whose 2027 Florida individual-market rate filings were on CMS’s rate review site when I read it on September 27, 2026. Two more are on it now; they’re below the table. I’ve left out the prices they asked for, because those were requests. The last column is the average rate change Florida’s Office of Insurance Regulation approved for each company, from its table dated October 16, 2026.

Three other companies that sold plans here in 2026 weren’t on CMS’s 2027 list when I read it on September 27. When I checked again on October 31, 2026, two of them were, each marked final: Community Care Network, which sold on HealthCare.gov as 22 Health, in Broward only, and Molina Healthcare of Florida. CMS’s site marks Molina’s filing “Unreasonable,” with the reviewer’s comment “State review complete - rates not acceptable,” and the Office’s table of approved rates doesn’t list Molina. The third, Sunshine State Health Plan, whose 2026 HealthCare.gov plans were sold as Ambetter Health in 11 counties, still isn’t on CMS’s list. (The Ambetter Health in the table is a different company, Centene Venture Company Florida.) CMS’s 2027 plan data, posted October 30, 2026, lists no Florida HealthCare.gov plans from Molina or from Sunshine State Health Plan. It does list Centene Venture Company Florida’s Ambetter Health plans in all 11 counties where Sunshine sold as Ambetter Health in 2026, so Ambetter Health is still on HealthCare.gov there, from a different company. It lists 22 Health’s plans in Broward County only. If your 2026 plan is from Molina or Sunshine State Health Plan, read your renewal letter closely and compare 2027 plans on HealthCare.gov.

Florida’s Office of Insurance Regulation had to finish reviewing HealthCare.gov plan filings by August 12, 2026, and it has since published its table of approved 2027 rates, dated October 16, 2026. Weighted by how many people each company covered in 2026, the approved increases average 10.4%, before any tax credit. The Office notes that these averages don’t show the change for any one policyholder, so yours can be bigger or smaller. It also says the federal Department of Health and Human Services hasn’t reviewed or finalized the table, so it can still change. Since then, CMS’s rate review site has marked all 15 of Florida’s 2027 filings final, as I read it on October 31, 2026, and for most companies its final figures differ from the Office’s table. The prices HealthCare.gov shows for your county are the ones that count.

The tax credit that lowers your monthly premium is still there for 2027. Between the poverty line and four times it, the credit is figured so that what you’d pay for your area’s benchmark plan, the second-lowest-cost silver plan, comes to a set share of your income. If benchmark prices go up, the credit goes up with them, though other plans’ prices can still move by more or less. The limit that came back after 2025 is at the top: above four times the poverty line, there’s no credit at all. And starting with 2027, fewer people who aren’t U.S. citizens qualify. My article on Florida’s subsidy cliff goes through where the line falls and what to do near it.

If you’re healthy and your income is above four times the poverty line, or you’re leaving Cigna and won’t get a tax credit, a private short-term plan is one more thing to compare with a full-price HealthCare.gov plan. It’s a health plan sold outside HealthCare.gov for a set period, and it has limits a HealthCare.gov plan doesn’t.

How long one can last. Florida law defines short-term health insurance as coverage that ends “less than 12 months after the original effective date of the contract” and, “taking into account renewals or extensions,” lasts no more than “36 months in total.” A federal rule written in 2024 sets 3 months, and 4 months in total with renewals. On August 7, 2025, the federal departments behind that rule said they “do not intend to prioritize enforcement” of it until they write a new one, and that a state could apply its own definition. A proposed new federal rule has been under review at the Office of Management and Budget since May 30, 2026, and hasn’t been published, so this could change. The 2024 rule’s length limits applied only to policies sold on or after September 1, 2024; whether a new one would reach a policy you already have won’t be known until it’s published.

The Allstate Health Solutions plans I sell here. Allstate Health Solutions sells short-term plans in Florida on either the Aetna Open Choice PPO Network or the Cigna PPO Network for Shared Administration. These aren’t Aetna’s or Cigna’s own plans: Aetna or Cigna supplies the network. Allstate Health Solutions’ Florida brochures name National Health Insurance Company as the insurer, but its website’s list of the states where that company issues policies leaves Florida out, so check the insurer’s name on the policy itself. Allstate Health Solutions says it’s part of The Allstate Corporation, which is a separate company from the insurers that issue these plans and isn’t responsible for their financial condition or their obligations under their policies. Each brochure’s cover calls the plan a LIFE Association member offering, so you’d be joining that association as well as buying insurance (the brochures mention membership fees, so ask what membership costs and how it’s billed). If you’re leaving a Cigna plan, ask before you buy whether the Cigna network on one of these plans will stay the same for your whole term. Each policy runs no longer than 364 days. Bought on its own, the plan “is nonrenewable.” If you choose a renewal option when you first buy, the brochures say the plan “will be renewable up to 36 months so long as you maintain compliance with the plan provisions,” and the deductible starts over with each new term.

What they leave out, and other limits:

• Conditions you already have. The Florida brochures define a pre-existing condition by the year before your coverage starts: a sickness, injury or condition you got (or were told to get) medical advice, a diagnosis, care, treatment or a prescription for in that year, or that gave you signs or symptoms in that year that reasonably should have, or would have, let a doctor diagnose it, or led an ordinarily prudent person to seek medical advice, whether or not it was diagnosed. A pregnancy that exists the day before your coverage starts counts too. The plan doesn’t cover them, and even with a renewal option, the brochures’ table leaves them uncovered for your first 12 months of coverage.
• A wait for sickness benefits. The Aetna-network brochure says sickness benefits start after 7 days, unless you apply more than 7 days before your plan starts. The Cigna-network brochure’s only waiting-period line, “No waiting period applies,” is a footnote on its prescription drug row, and it doesn’t say whether sickness benefits wait. Florida law makes the contract’s duration, “including any waiting period,” one of the written disclosures you sign, so ask before you buy.
• A later plan counts today’s problems as pre-existing. If you apply for a new plan after one ends, the brochures say any sickness or condition that started under the old one “will be considered a pre-existing condition” and won’t be covered.
• A cap on what it pays. Each plan has a maximum it pays for the coverage period: from $250,000 to $5 million in the Florida brochures, depending on the plan. With a renewal option, their table says that maximum doesn’t reset with each new term.
• Other exclusions. Among them: mental health and substance use treatment, applied behavior therapy or analysis (apart from a benefit for autism spectrum disorder), pregnancy and childbirth (apart from complications of pregnancy), and outpatient prescription drugs (apart from the drug copay some plans include). The full list is in the brochure and the certificate.
• No tax credit. HealthCare.gov: “If you buy a plan outside the Marketplace any time, during Open Enrollment or not, you can’t get premium tax credits or other savings based on your income.”
• Ending one isn’t a qualifying life event. The brochures: “Termination of this plan is not considered a qualifying life event for the purposes of enrolling in an ACA-compliant major medical plan.” So when a short-term plan ends, that alone doesn’t let you sign up for a HealthCare.gov plan outside open enrollment.
• What you sign when you buy. Florida law requires written disclosures you sign at purchase, among them that the coverage “is not required to comply with certain federal market requirements for health insurance, principally those contained in the Patient Protection and Affordable Care Act,” and this warning: “If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.”

These plans have exclusions and limitations, and rules about when a policy can be kept or when it ends. For costs and complete details of the coverage, call me or the insurance company. My comparison of Aetna, Cigna and UnitedHealthcare goes further into how these plans use Aetna’s and Cigna’s networks and what to check in the brochure.

If you get sick while you’re on one, a renewal option is what keeps that plan going, though its maximum doesn’t start over; a new plan wouldn’t cover what started on the old one. A short-term plan is worth a look if you’re healthy, don’t take regular prescriptions, and would pay full price for a HealthCare.gov plan anyway. If you have a condition that needs ongoing care, or you’re pregnant or hoping to be, a HealthCare.gov plan is the safer choice.

Florida hasn’t expanded Medicaid under the Affordable Care Act, so Medicaid here covers set groups of people, not every adult under an income line. The groups include children, pregnant women, parents and caretakers of a child under 18, and people who are 65 or older or have a disability. The limit for parents is low: for a parent in a family of three, $600 a month, according to Florida’s Department of Children and Families (its limits for April 2026 through March 2027). The Department’s own example: a single adult under 65 who isn’t disabled or pregnant and has no children under 18 at home “does not fit within any Medicaid eligibility categories.”

That leaves a gap, because the tax credit for a HealthCare.gov plan starts at the poverty line. For 2027 coverage, the poverty line is $15,960 a year for one person, $21,640 for two, $27,320 for three and $33,000 for four. HealthCare.gov puts it plainly: if your state hasn’t expanded Medicaid, your income is below the poverty line and you don’t qualify for Medicaid under your state’s rules, “you won’t qualify for either health insurance savings program.” It still says you should fill out a Marketplace application.

You can apply for Florida Medicaid any time of year, online through the Department’s MyACCESS site.

If you aren’t a U.S. citizen, check before you count on Medicaid or the tax credit. Florida’s Department of Children and Families says that as of October 1, 2026, Medicaid is only available to U.S. citizens and nationals, green card holders, Cuban or Haitian entrants, and people here under the Compacts of Free Association, while lawfully residing children 18 and under stay eligible. Starting with 2027 coverage, the tax credit is limited to the same four groups, with no separate rule for children.

Florida KidCare covers children from birth through age 18. Which part of it a child is in depends on age and family income: Medicaid (birth through 18), MediKids (ages 1 through 4), Florida Healthy Kids (ages 5 through 18), or the Children’s Medical Services Health Plan (ages 1 through 18, for children with special health care needs). There’s no premium for Medicaid. Above Medicaid’s limits, Florida’s Agency for Health Care Administration lists a premium of $15 or $20 a month for the whole family, depending on income. Where the subsidized range ends is stated two ways: the Agency’s page says 200% of the poverty line, and the Legislature’s economists and CMS say 210%. Above that, MediKids and Florida Healthy Kids have a full-pay option, or your children can be on your HealthCare.gov plan, where the tax credit can help pay for their coverage too.

You can apply any time of year, at floridakidcare.org. If you apply for Medicaid through the Department of Children and Families and your children don’t qualify, the Department says it shares their information with KidCare automatically, and KidCare sends you a letter about signing up.

You may read that Florida raised KidCare’s income limit to 300% of the poverty line. The law says so, but as of July 2026 it hadn’t taken effect. The Legislature’s economists left it out of their KidCare forecast that month and wrote that “it is currently unknown what the state’s next steps will be.” So ask KidCare what your family qualifies for when you apply, and don’t count on the higher limit.