Health insurance brokers in Florida

• 4.54MFloridians enrolled in a marketplace plan for 2026, more than any other state
• 95%+of Florida enrollees qualified for a premium subsidy
• $0what a broker costs you, in Florida and everywhere else

Florida is the largest health insurance market in the country

About 4.54 million Floridians are enrolled in an ACA marketplace plan for 2026. That is more than any other state and close to one in five marketplace enrollees in the entire country. More than 95 percent of them qualified for a premium subsidy. Those subsidies averaged roughly $740 a month, which left the typical subsidy eligible Floridian paying about $62 a month for coverage.

Read those numbers again, because they explain what a broker is really for in this state. Almost nobody in Florida pays the sticker price, and the gap between the sticker price and what you actually pay comes down to an income estimate and a plan choice. Getting those two things right is most of the job.

What changed in 2026, and why your premium went up

The enhanced premium tax credits that had been in place since 2021 expired at the end of 2025. Florida felt it immediately. Enrollment fell about 4 percent for 2026, roughly 261,000 fewer people than the 4,735,415 who enrolled the year before.

If your premium jumped this year and nobody has looked at your plan since, that is why. It is also the single most common reason people call me. A plan that was the right answer in 2024 is often not the right answer now, and the only way to know is to run the comparison again with current numbers.

What changes again in 2027, and why Florida is in the middle of it

If you are on a Cigna marketplace plan in Florida, you will receive a non renewal notice in the fall, and if you do nothing you will be automatically moved into a different plan for January. That automatic move is a placeholder, not a recommendation. Nobody checks whether the replacement covers your doctors, your hospital, or your prescriptions. It is matched on price and metal level, not on your life.

This is the kind of year where having someone in your corner is worth real money. If you get a letter like that, do not file it. Bring it to a broker.

Open enrollment dates for 2027 coverage in Florida

Florida does not run its own exchange. It uses the federal marketplace at HealthCare.gov, so Florida follows the federal calendar.

• November 1, 2026Open enrollment begins for 2027 coverage
• December 15, 2026Last day to choose a plan that starts January 1, 2027
• January 15, 2027Open enrollment closes

Outside that window you need a qualifying life event, which is more common than people think. Losing job based coverage, moving, marriage, divorce, a new baby, adoption, aging off a parent's plan at 26, or a change in income that affects your eligibility can all open a special enrollment period. Most of them give you 60 days.

How to choose a health insurance broker in Florida

Anyone can put "broker" on a website. These are the questions that separate the real ones, and you can ask every one of them in a five minute phone call.

1. Verify the license before anything else

   Ask for the license number and the NPN, then look them up yourself. Florida agents are searchable through the Florida Department of Financial Services licensee search, and every agent in the country is searchable through the NAIC lookup. An agent who hesitates to give you those numbers has told you everything you need to know. Mine are on this page and on my license page.

2. Ask whether they are independent or captive

   A captive agent works for one insurance company and can only sell you that company's plans. An independent broker is appointed with many carriers and can compare across them. Neither is dishonest, but only one of them can tell you when a competitor has the better plan for you.

3. Ask what it costs, and be suspicious of any answer other than nothing

   Brokers are paid by the insurance carriers. The premium is the same whether you enroll through a broker, through HealthCare.gov on your own, or directly with the carrier. Nobody should be charging you a fee to enroll you in an individual marketplace plan.

4. Ask how many carriers they can actually quote

   "We shop the whole market" is a slogan until someone puts a number on it. Ask which carriers they are appointed with in Florida, and ask them to show you the comparison rather than describe it.

5. Ask whether they will still be there in March

   Plenty of agents are enthusiastic in December and unreachable in the spring, which is exactly when a claim gets denied or a doctor turns out to be out of network. Ask who you call when something goes wrong. The answer should be a person, not a call center.

6. Read the reviews, and look at the dates

   A handful of genuine reviews spread over time tells you more than a wall of them that all landed in the same week. Mine are on my Google profile and they arrived one at a time, from clients who agreed to write one.

What working with me looks like

You tell me your ZIP code, who needs coverage, and roughly what you expect to earn this year. I check your subsidy eligibility properly, then compare the marketplace plans you qualify for and the private options where they genuinely make sense, side by side, with the real monthly cost after any subsidy is applied. You pick. I handle the enrollment paperwork, and I stay your point of contact afterward for claims questions, renewals, and life changes.

Most first conversations take about ten minutes. There is no cost and no obligation, and I am not going to pressure you into a plan, because a client who was pushed into the wrong coverage is a client who leaves.

Where I work in Florida

All 67 counties. Most of my work happens over the phone or a video call, so where you are in the state changes nothing about the process.

• Tampa
• Orlando
• Jacksonville
• Miami
• Fort Lauderdale
• West Palm Beach
• St. Petersburg
• Sarasota
• Bradenton
• Naples
• Fort Myers
• Cape Coral
• Tallahassee
• Gainesville
• Ocala
• Lakeland
• Port St. Lucie
• Pensacola
• Daytona Beach
• Clearwater

I am also licensed in 23 other states, so if you are moving out of Florida or splitting time between two states, that usually is not a problem either.

Who I help most in Florida

Individuals and families buying their own coverage, self employed people and 1099 contractors, small business owners, people who just lost employer coverage, and early retirees bridging the gap to Medicare. Florida has an unusually large share of all five, which is a big part of why this state has the enrollment numbers it does.