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For Floridians comparing insurers · Licensed in 30+ U.S. states

Health insurance
companies
in Florida.

As of October 19, 2026, Florida's insurance regulator lists approved 2027 individual ACA rates for 15 companies. Here is where they sell and how to judge them against your own needs.

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Which company fits you?

No single company
fits everyone.

People often ask us to name the top insurer in Florida. The honest answer depends on you. Three things decide it:

Your doctors and hospital

Each company builds its own network. A good fit is a plan that includes the doctors you already see.

Your prescriptions

Each plan keeps its own drug list, called a formulary. One drug can cost far less on one plan than on another.

Your total for the year

Multiply the monthly premium by 12, then add the deductible and copays you expect. A low premium can still mean a high yearly total.

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The 2027 company list

Companies with approved 2027 individual ACA rates.

As of October 19, 2026, this list comes from a table the Florida Office of Insurance Regulation (OIR) posted on October 16, 2026. It is not a ranking. OIR's table names each company; ask us which ones sell in your county.

Sold on and off the Marketplace: 12 companies.
Sold off the Marketplace only: 3 companies, one of them new to the market.
Network type: OIR shows 13 of the 15 companies with HMO plans and 2 with EPO plans. None of these companies is shown with a PPO network.
As of October 19, 2026, OIR's table says: "This information has not been reviewed or finalized by the Department of Health & Human Services; therefore, it is subject to change."
This is a list of companies, not plans. A company may sell several plans, and plans are usually offered county by county, so your ZIP code may show fewer choices.

Where each company sells

On the Marketplace, off it, or a private plan.

On the Marketplace

Plans from the 12 companies listed as selling there. Buying through the Marketplace is the only way to use a premium tax credit.

Off the Marketplace

ACA plans bought straight from a company or through a broker. ACA rules still apply, but a premium tax credit does not.

Outside the ACA list

Plans that are not ACA plans do not appear in the OIR table. Some of them ask health questions before they accept you.

Florida insurers by the numbers

Florida's 2027
individual market.

companies had approved 2027 individual ACA rates in OIR's October 16, 2026 table.

of them are listed as selling on and off the Marketplace. The other 3 sell off it only.

10.4%

was OIR's weighted average approved change, using actual 2026 membership. It is not the change for any one person.

Source: Florida Office of Insurance Regulation, Individual PPACA Market Monthly Premiums for Plan Year 2027 (posted October 16, 2026; not yet finalized by HHS).

Paul DanielsLicensed health advisor · NPN 20986580

Working with Paul

Help comparing
Florida insurers.

Paul Daniels owns Daniels Health Advisors, an independent brokerage licensed in 30+ U.S. states. We do not rank insurance companies. We line up the plans sold in your county side by side, with your doctors, drugs, and budget in mind. We can quote only companies that have appointed us as an agent. Being on OIR's list does not mean a company has appointed us. Ask which ones we can show you. For a wider network, we can also show private PPO options. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

Want to know which numbers matter most? Our guide to comparing health plans walks through five of them.

Plans from the companies that sell in your county, side by side
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

Your first call

Comparing companies in three steps.

Tell us your ZIP code

Plus who needs coverage, your doctors, and your prescriptions.

We pull the plans

From the companies that sell where you live and that we can quote.

Pick with the facts

We compare networks, drug costs, and yearly totals, then help you enroll.

Book a 15-minute call

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Check the company

Check the company
before you buy.

Florida gives you free ways to look up an insurer. OIR's Company Search shows whether a company is authorized to do business in Florida. If a problem comes up later, the Florida Department of Financial Services Division of Consumer Services can help with insurance complaints. You will leave with:

The companies that sell plans in your county
Each plan's network list checked for your doctors
Your drugs looked up on each plan's drug list
A yearly cost estimate for each plan

A checklist for

Before you compare insurers.

List your doctors, specialists, and the hospital you prefer.
Write down every prescription, with the dose.
Have your ZIP code and the ages of everyone who needs coverage.
Estimate your household income for next year.

Insurance company questions

Florida insurance company FAQ.

What health insurance companies sell ACA plans in Florida?

For 2027, the Florida Office of Insurance Regulation lists 15 companies with approved individual ACA rates. Twelve are listed as selling on and off the Marketplace, and three off the Marketplace only. Not every company sells in every county.

How do I choose a health insurance company in Florida?

No single company fits everyone. Look for the plan that covers your doctors and drugs at a yearly total you can manage. We compare those side by side for you.

Why don't I see a brand name I know?

OIR lists each company by its legal name. A company may sell plans under a different brand name. Your plan documents show the legal name of the company that stands behind the plan.

Can I get a tax credit with any company?

Only for a plan you buy through the Marketplace. The IRS says the premium tax credit is for coverage you enroll in through the Marketplace. Plans bought off the Marketplace do not qualify. For tax questions, talk with a tax professional.

How do I know an insurance company is legit?

Use the Florida Office of Insurance Regulation's Company Search. It shows companies authorized to do business in Florida. If you have a problem with a company later, the Florida Department of Financial Services can help with complaints.

Do I have to wait for open enrollment?

For a private plan (not from the Marketplace), you can often apply any time of year. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled. Marketplace plans, and other plans that follow ACA rules, work differently. As of October 19, 2026, under current law, open enrollment for 2027 plans runs from November 1, 2026, to January 15, 2027. As of October 19, 2026, a federal appeal about these dates is pending (City of Columbus v. Kennedy, 4th Cir. No. 26-1938), with oral argument set for October 30, 2026. Confirm the dates before you enroll. To start coverage January 1, pick a plan by December 15 (the deadline under current law). Outside those dates, you may need a special enrollment period. Losing job-based coverage is one example.

Compare Florida insurers
with a licensed broker.

Book a free 15-minute call or start a quote online.

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By Paul Daniels, licensed insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent brokerage, not a carrier, HealthCare.gov, or CMS. Agent: Paul Daniels, NPN 20986580, Florida license G065122. This page is about personal and family health insurance. Tax credits, plans, networks, and prices depend on your state, zip code, income, and household. We never guarantee approval, a doctor, or a price. Not medical, legal, or tax advice.

Health insurancecompaniesin Florida.

No single companyfits everyone.