How much is health insurance per month in Florida?

• $806average monthly Florida marketplace premium before tax credits, 2026 plan selections
• $106average monthly premium Floridians actually paid after tax credits in 2026
• 4.5MFloridians picked a marketplace plan for 2026, more than any other state

What a 40 year old pays in Florida, county by county

These are real 2026 marketplace prices from the federal plan file, for one 40 year old, before any tax credit. The benchmark silver plan matters most because your subsidy is calculated from it.

Monthly premium, age 40, plan year 2026, full price. Click a county for its full breakdown, or see every county I track.

The spread is real but not huge. Pinellas is the cheapest of these counties for a 40 year old, with a bronze plan at $473 and a benchmark silver at $645. Lee and Sarasota sit at the top, with benchmark silver near $717 to $718. Where you live in Florida moves the price by roughly 10 percent. Your age and your income move it far more.

How age changes the monthly price

ACA plans price by age, and the curve gets steep after 50. Here is Hillsborough County, where my office is, at full price:

Hillsborough County, one person, monthly, plan year 2026, before tax credits.

A 60 year old pays about 2.1 times what a 40 year old pays for the same plan, and about 2.7 times what a 21 year old pays. That is why the subsidy matters so much for people in their late 50s and early 60s, and why losing it hurts them the most.

What couples and families pay

Each person on the plan is priced by age and the premiums are added together. In Hillsborough County:

Hillsborough County, monthly, plan year 2026, before tax credits.

Before and after the subsidy

The premium tax credit works like this. The government decides what share of your income you should pay for the benchmark silver plan, and covers the rest. You can then spend that credit on any metal level. For 2027, the IRS set that share between 2.15 percent and 10.22 percent of income, and it applies only up to 400 percent of the poverty line, which is $63,840 for one person and $132,000 for a family of four.

Here is how that plays out in Hillsborough County using 2026 prices and the 2027 percentages. Treat these as illustrations, because 2027 prices post when open enrollment starts.

Estimates only. Your actual credit depends on your ZIP code, ages, household size and final 2027 prices. Try my subsidy calculator for your own numbers.

Look at the jump between $50,000 and $65,000 for one person, or between $100,000 and $135,000 for a family. That is the subsidy cliff. Crossing 400 percent of the poverty line by a single dollar ends the credit completely, and the enhanced credits that used to soften it expired at the end of 2025.

Why gold can cost less than silver in Florida

In 8 of the 12 Florida counties in my data, the cheapest gold plan costs less than the cheapest silver plan at full price. That sounds backwards. It happens because insurers load extra cost into silver premiums to cover the cost sharing help they owe lower income silver enrollees, a practice called silver loading, and it continues into 2027. If you are paying full price or close to it, never assume silver is the middle option. Compare gold first.

What the averages hide

CMS reports that Floridians who picked a 2026 plan averaged $806 a month before tax credits and $106 a month after. That low number is real, but it is an average dominated by lower incomes. If your household earns above the 400 percent line, your number is the full price in the tables above.

• 2027 prices will be higher. KFF found insurers proposing a median increase of about 15 percent nationally for 2027.
• Cheap plans carry big deductibles. The cheapest bronze plan in Hillsborough has a $9,000 deductible. For 2027 the legal out-of-pocket cap rises to $12,000 for one person.
• PPO choice is thin. Each of these 12 counties has 14 marketplace PPO plans, and one carrier sells all of them. Most Florida marketplace plans are HMOs. My guide to Florida PPO options covers the rest.
• Carriers are shifting. Cigna is leaving the Florida individual market for 2027. If you got a letter, read what to do when your carrier leaves.

Going without is its own cost. Census puts Florida's 2024 uninsured rate at 10.9 percent, well above the 8.2 percent national rate, and one hospital stay can cost more than years of premiums.

My honest take

If your income is well under the 400 percent line, you may not need me at all. HealthCare.gov will show you the subsidized price, and the lowest cost silver or gold plan with your doctors is usually the right call. Where I earn my keep is the full price crowd: self employed Floridians, business owners and households near the cliff, where the right plan type and a smart income estimate can be worth thousands a year. I'm Carson Hornish, licensed in Florida (license G235543), and my help costs you nothing. Here is why a broker is free.

Common questions