2027 Florida Open Enrollment · Nov 1 to Jan 15
Your 2027 health plan price is changing. See what you'll pay.
Subsidies shrank and some plans are leaving Florida. A licensed Florida agent will compare your options and every dollar of help you qualify for. It's free.
Get my 2027 options- Most Florida households still qualify for help paying premiums
- We compare plans from multiple carriers, not just one
- We check your doctors and prescriptions before you enroll
Get your 2027 options
30 seconds. A licensed agent calls you. No cost, no obligation.
- Licensed in Florida · Lic. L123832
- Always free · carriers pay us, never you
- Independent · multiple carriers compared
- Private · your information is never sold
Three things changed for 2027
If you had coverage this year, next year's price may look very different.
Extra subsidies ended
The larger tax credits expired after 2025. For 2027, help generally stops at 400% of the poverty level: $63,840 for one person, $132,000 for a family of four.
How the income limit worksSome plans are leaving
Cigna is leaving the Florida Marketplace for 2027. If your plan is ending, you need to pick a new one or you could be moved into a plan you did not choose.
What Cigna members should doAuto-renewal is not a plan
If you do nothing, you are usually renewed automatically, at 2027 prices and with 2027 subsidies. A quick review before Dec 15 can catch a price jump or a better plan.
The full 2027 enrollment guideThe dates that matter
- Nov 1, 2026
Open Enrollment opens. 2027 plans and prices go live.
- Dec 15, 2026
Last day to enroll for coverage starting January 1.
- Jan 15, 2027
Open Enrollment ends. Coverage starts February 1.
Dates from HealthCare.gov. Missed the window? A move, job loss or other life change can open a special enrollment period.
How it works
- 1
Tell us the basics
Name, phone and ZIP. It takes about 30 seconds.
- 2
A licensed agent calls you
We compare plans and check the subsidy you qualify for, plus your doctors and prescriptions.
- 3
You decide
Enroll with our help, or walk away. There is never a cost or an obligation.
Want a number first?
Estimate the help you may qualify for. No contact details needed.
This is an estimate for educational purposes only. Your actual subsidy depends on the cost of the benchmark Silver plan in your county, your age, and other factors, and is determined by HealthCare.gov. It is not a guarantee of eligibility or coverage.
Questions people ask
When is Open Enrollment for 2027 in Florida?
It runs Nov 1, 2026 through Jan 15, 2027. Enroll by Dec 15 for coverage that starts January 1.
I already have a Marketplace plan. Do I need to do anything?
If you do nothing, you are usually re-enrolled automatically, but your price and subsidy can change for 2027, and some plans are ending. A review before Dec 15 makes sure you are not overpaying.
Does it cost anything to use an agent?
No. Insurance carriers pay licensed agents. Your premium is the same whether you enroll on your own or with us.
Can I keep my doctor?
Networks differ from plan to plan. Before you enroll, we check that your doctors and prescriptions are covered.
Are you HealthCare.gov or the government?
No. United Liberty Insurance Agency LLC is an independent, licensed Florida insurance agency (License L123832). We are not affiliated with HealthCare.gov or any government agency.
I'm on Medicare or turning 65. Is this for me?
Medicare has its own window: Annual Enrollment runs Oct 15 to Dec 7. See our Medicare page, or call and ask for a Medicare agent.
On Medicare? Compare 2027 Medicare Advantage plans.
Don't let Dec 15 sneak up on you
Enroll by Dec 15 for January 1 coverage. It takes one short call with a licensed Florida agent.
(888) 880-4335