The Florida Office of Insurance Regulation (OIR) published its official ACA individual market premium table for 2027, with an approved weighted average increase of 10.4%, raising the average monthly premium per person from $811 to $898, before applying any federal subsidy.
The figures, calculated based on the actual enrollment for 2026 and including plans both inside and outside the federal Marketplace, are not uniform for all insured individuals: they reflect a weighted average of the market and do not predict the change that a specific policy will undergo, which depends on age, county, metal level, and the chosen plan.
OIR itself warns that the data "have not been reviewed or finalized by the Department of Health and Human Services" and are subject to change.
The differences between insurers are quite pronounced. UnitedHealthcare of Florida leads the increases with 25%, which would raise its average premium from $825 to $1,031 per month per person. Following are Blue Cross and Blue Shield of Florida (EPO) and AmeriHealth Caritas Florida, both with an 18.8% increase, going from $1,099 to $1,306 and from $647 to $768, respectively.
On the opposite end, Oscar Insurance Company of Florida—operating only outside the Marketplace—records the most moderate increase at 3.7%, with an average premium rising from $707 to $733. Centene Venture Company Florida increases by 5.9%, from $758 to $802, and Ambetter Health of Florida by 7.2%, from $669 to $717.
Among the insurers with increases close to the average, AvMed rises by 10.7% (from $896 to $992) and Capital Health Plan by 11.6% (from $740 to $827).
This increase of 10.4% comes after a particularly challenging year for Floridians with individual coverage. By 2026, premiums had already risen by an average of 34%, largely because the enhanced tax credits from the ACA—established by the American Rescue Plan Act and extended by the Inflation Reduction Act—expired on December 31, 2025, without being renewed.
As a result, approximately 440,000 Floridians abandoned their plans in 2026, the largest drop in enrollment among all states in the country.
Rising price pressure is accompanied by a reduction in available options. Cigna Healthcare announced that it will no longer offer individual and family health plans starting January 1, 2027; their individual and family dental plans will not be affected. Sunshine Health and Molina also confirmed their exit from the individual market in Florida for the upcoming year.
For those who need to compare options before making a decision, HealthCare.gov offers a preview tool where, by entering the zip code, household size, and estimated income for 2027, it's possible to get an estimate of the monthly price with potential applicable subsidies. The final price and exact subsidy are only confirmed upon completing the official application.
Those who are preparing their enrollment can also check how to prepare for the opening of the Obamacare 2027 portal, including the recommended steps to take before starting the process.
Open enrollment at HealthCare.gov begins this Saturday, November 1. To ensure coverage starts on January 1, 2027, the deadline for enrollment and payment of the first premium is December 15; those who enroll between December 16 and January 15, 2027, will have coverage starting February 1.
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