Row of two-story homes reflected in a calm lake at dusk in the Orlando area

Orange County, Florida

Orange County health insurance broker in Florida. Plans narrowed to your ZIP.

Free, licensed help for people anywhere in Orange County, Florida. More people pick a Marketplace plan here than in any nearby county, and the plan list is long. We help you cut it down to the few that fit.

Private & Secure
Fast Response
No Spam Calls

Big county, many choices

More shoppers than any
nearby county.

In 2026, Orange County made up about 58% of all Marketplace plan picks across Orange, Osceola, Seminole, and Lake counties. Three common questions about county plans:

“Ten insurance companies. Which ones fit me?”

Orange County had 10 Marketplace insurers for 2026. Not every plan will match your doctors or your budget. We start with who you see and what you take, then shrink the list.

“My friend across the county got different prices.”

Your price depends on your age, who is in your household, and your income, which sets your tax credit. So two neighbors can see very different prices for the same plan. Your home ZIP code is where we begin.

“I'm new to the Marketplace.”

You are far from alone. About 1 in 6 Orange County shoppers in 2026 were new to the Marketplace. We can walk you through the basics and help you with each step.

Aerial view of a Central Florida neighborhood of homes surrounded by lakes and green space

Orange County by the numbers

Coverage across
Orange County, Florida.

County-wide facts from 2026 open enrollment and plan data.

399,974

Orange County residents signed up for a 2026 Marketplace plan in open enrollment.

95 in 100

of those shoppers had a tax credit helping with the monthly bill.

64,476

of those shoppers were new to the Marketplace in 2026.

208 plans

to choose from in Orange County for 2026, offered by 10 insurance companies.

13.5%

of Orange County residents under 65 had no health insurance in 2024.

Health First

sold 2026 Marketplace plans in Orange County, but not in Osceola, Seminole, or Lake.

Sources: CMS 2026 Open Enrollment county data, CMS 2026 plan data, and U.S. Census Bureau SAHIE (2024). Your own options depend on your ZIP code, age, household, and income.

Paul DanielsLicensed health advisor · NPN 20986580

How we help

Help for every corner
of the county.

Daniels Health Advisors does not work for any one of the county's insurers. We sort Orange County's plans by your doctors, your hospital, and what you may pay over a full year. Then you choose. Turning 65 or on Medicare? We help with Medicare too. For households with a small tax credit or none at all, we can also show how private PPO plans compare with Marketplace plans. Some private plans ask health questions, and approval is not guaranteed.

Clear side-by-side comparisons
Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580 · FL license G065122
Free to you. Carriers pay us, not you.

How it works

From 208 plans to a few.

Give us your ZIP and ages

Tell us your home ZIP code in Orange County and the age of each person who needs coverage.

Estimate your tax credit

We use your expected household income for the year you want coverage to estimate your tax credit.

Filter, compare, decide

We drop plans that leave out your doctors, hospital, or medicines and compare the rest by yearly cost. You make the final call.

Book a 15-minute call

Free · No obligation · Roughly 15 minutes

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What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

A county-wide search,
narrowed to you.

With a list this long, shopping by monthly price alone can mean a plan that skips your doctor. An income estimate that is off can mean paying some credit back at tax time. After we talk, you will have:

A short list from across Orange County's plans, filtered to your ZIP
Each doctor and hospital you use, checked against that list
Your tax credit estimate, and a note on when to report income changes
Your pick made by December 15, 2026, so coverage can begin January 1, 2027

Hospital systems in Orange County

Orange County has hospitals from several health systems. Plans do not all include the same ones, so check before you enroll.

HCA Florida UCF Lake Nona HospitalOrlando · opened March 2021
AdventHealth Winter ParkWinter Park
Orlando Health Dr. P. Phillips HospitalSouthwest Orange County

This is not a list of in-network hospitals for any plan. Networks can change each year.

Straight answers

Orange County, Florida health insurance questions.

Which insurance companies have Marketplace plans in Orange County?

Ten companies offered 208 plans: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue (including Florida Blue HMO), Health First Commercial Plans, Molina Healthcare, Oscar, UnitedHealthcare, and Wellpoint. Health First Commercial Plans was the one company here that did not sell Marketplace plans in Osceola, Seminole, or Lake. Expect the 2027 Orange County list around November 1, 2026, when open enrollment starts. It may not match the 2026 list.

Why can two people in Orange County see different prices?

Prices depend on the ages of the people on the plan and how many people it covers. Your tax credit depends on your household size and income. Some plans also limit where members can live. An HMO, for example, may only serve people who live or work in its area. That is why we always start with your home ZIP.

Will my plan choices change if I move from Orange to Seminole or Lake County?

Each county has its own list, so a move can change your choices. For 2026, Seminole had 215 plans from 10 companies and Lake had 196 from 9, while Orange had 208 from 10. If you move outside the open enrollment window, the move may let you sign up through a Special Enrollment Period. We can help you check whether your move qualifies.

I've never had a Marketplace plan. Where do I start?

Start with three things: your home ZIP code, a list of your doctors and medicines, and a rough guess of your household income for next year. Then compare plans by total yearly cost, not just the monthly price. We can walk you through the application step by step on a short call.

Do I pay anything for your help?

You pay us nothing. Carriers pay us, not you. You still pay your monthly premium to the insurance company, the same way you would with any plan. You also pay your share of costs when you get care, like deductibles and copays.

When does open enrollment for 2027 coverage start?

Sign-up for 2027 coverage opens November 1, 2026, and closes January 15, 2027. Our Florida open enrollment guide lists every date and start date.

Open enrollment starts November 1

Comparing plans anywhere in Orange County?

Book a free 15-minute call or start a quote online. We will narrow the list with you. No pressure, no obligation.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580). Local facts checked October 1, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, FLOIR, or a carrier. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. Official: HealthCare.gov. Verify licensing via NPN. Orange County / Central Florida.

Orange County health insurance broker in Florida. Plans narrowed to your ZIP.

More shoppers than anynearby county.

Coverage acrossOrange County, Florida.

Help for every cornerof the county.