In Florida, you can purchase health insurance through several primary channels depending on your employment status, income, and specific coverage needs. 1. The Federal Health Insurance Marketplace
For most Floridians who do not have coverage through an employer, HealthCare.gov is the official destination to shop for individual and family plans.
You can compare ACA-compliant plans from various carriers and find out if you qualify for premium tax credits or other cost-savings.
If you have a "qualifying life event" (like moving, getting married, or losing other coverage), you may be able to enroll outside of these dates. 2. Direct from Insurance Carriers
The Open Enrollment Period typically begins November 1, 2025 , and runs through January 15, 2026 .