2026 in Florida
Florida is one of the ten states that did not expand Medicaid, which puts more pressure on the ACA marketplace for lower-income households. On the plus side, competition is strong — most counties have four or more carriers, and premium subsidies keep the effective cost low for most households.
Three things to know about Florida this year:
- UnitedHealthcare returned to the individual market for 2026 after several years off. This is real news — expect more competitive Gold-tier pricing in metro counties.
- Florida Blue remains the only PPO in most counties. If out-of-network flexibility matters, they're still the pick.
- The coverage gap persists for adults under 100% FPL who don't qualify for Medicaid. Real, painful, and unresolved.
Carriers on the Florida marketplace
- Florida Blue (BCBS-FL) — all 67 counties · PPO/HMO
- Ambetter (Sunshine Health) — 61 counties · HMO
- Molina Healthcare — 42 counties · HMO
- Oscar Health — 34 counties · EPO
- Aetna CVS Health — 28 counties · HMO
- UnitedHealthcare — 22 counties · HMO/EPO · new for 2026
- Cigna — 18 counties · EPO
- AvMed — 8 counties (South FL) · HMO
All 67 Florida counties
Featured counties link to full 2026 plan detail. Sample of the network — every county gets its own page in the live site.
Hillsborough 47 plans
Miami-Dade 71 plans
Pinellas 39 plans
Orange 44 plans
Broward 63 plans
Duval 36 plans
Palm Beach 52 plans
Lee 38 plans
Polk 31 plans
Brevard 34 plans
Volusia 32 plans
Pasco 34 plans
Seminole 40 plans
Sarasota 38 plans
Manatee 36 plans
Collier 30 plans
Lake 32 plans
Osceola 33 plans
Alachua 29 plans
Escambia 27 plans
St. Johns 28 plans
Marion 26 plans
Leon 24 plans
+ 44 more counties
Live in Florida? I'm your local advisor.
Based in Tampa, licensed statewide. I know the county-by-county quirks.