Florida premiums rose 31.5% before subsidies for 2026, in the state with the largest marketplace in the country. If you lost your tax credit this year, you felt both at once.
I'm based in Tampa, so Florida is the state I know best — and it had one of the roughest 2026s in the country.
Florida Office of Insurance Regulation filings put the average 2026 increase at 31.5% before subsidies, taking the average individual premium from roughly $728 a month in 2025 to about $821 in 2026. That's on top of losing the enhanced premium tax credits on January 1.
Florida also has the largest Marketplace in the nation — about 4.7 million enrollees in 2025 — which means more Floridians absorbed that increase than residents of any other state. Projections have Florida's uninsured rate rising from a historic low of 10.7% in 2023 to roughly 16.7% starting in 2026.
One detail that shows how people responded: the share of Florida enrollees receiving cost-sharing reductions fell from about two-thirds to under half, because so many moved from Silver plans down to Bronze to hold the monthly number down. That trade lowers the premium and raises what you pay when you actually use the plan.
Florida is one of the 22 states I serve that use the federal platform rather than running their own exchange. Benchmark premiums rose roughly 30% across healthcare.gov states versus about 17% in states operating their own marketplaces. Florida landed on the wrong side of that gap through no decision any Floridian made.
Florida has not expanded Medicaid. Adults below 100% of the federal poverty level generally can't get Marketplace subsidies and don't qualify for Florida Medicaid either — an estimated 400,000-plus people. If your income is very low, that's the first thing to check, and it's the reason I ask about income before anything else.
This is where Florida differs sharply from much of the country. Florida statute permits short-term policies with initial terms of under 12 months and total duration, including renewals, of up to 36 months — far longer than the federal default. As of early 2026 at least six insurers were selling short-term coverage in Florida, some with the full 36-month duration available.
That makes Florida one of the more workable states for bridge and non-Marketplace coverage. It also makes it a state where reading the actual term matters, because "short-term" here can mean three months or three years depending on the policy.
For 2026, premium tax credits end above $62,600 for one person and $128,600 for a household of four. Above that line your credit is zero and you're paying Florida's full post-increase premium. For a healthy household in that position, a non-Marketplace PPO frequently costs meaningfully less per month, with a broader network than the narrow HMOs that dominate Florida's on-exchange menu.
Florida licenses are public. Look up NPN 21388659 in the Florida Department of Financial Services licensee search. Rate filings are public too, through the Florida Office of Insurance Regulation, if you want to see the increases yourself rather than take my word for them.
A 20-minute call: household, income, health history, the doctors and prescriptions you can't lose. Then I price the unsubsidized Marketplace option against whatever non-Marketplace options exist in your state, verify networks and formularies before recommending anything, and tell you which I'd choose and why.
It costs you nothing. Brokers are paid a commission by the carrier, built into the premium whether you use one or not — enroll direct and the carrier simply keeps it. There's a fuller explanation, plus my NPN, on the licensing page.
One thing worth being direct about: the non-Marketplace plans I work with are medically underwritten and not ACA-compliant. The application asks about your health history, coverage can be declined or limited based on it, and pre-existing conditions may be excluded. In exchange you get a lower premium, a real maximum out-of-pocket, and usually a broader network. If you're managing an ongoing condition, an ACA plan's guaranteed coverage is often worth more than the premium difference — and I'll tell you that even though it's the less profitable answer for me.
Florida Office of Insurance Regulation filings show an average increase of 31.5% before subsidies for 2026, moving the average individual premium from roughly $728 per month in 2025 to about $821 in 2026. Enrollees who also lost enhanced premium tax credits experienced a much larger increase in what they actually pay.
Yes. Florida has not expanded Medicaid, so adults under 100% of the federal poverty level generally cannot receive Marketplace subsidies and do not qualify for Florida Medicaid. An estimated 400,000-plus Floridians fall into this gap.
Florida statute permits initial terms of less than 12 months and total duration including renewals of up to 36 months, which is considerably longer than the federal default. As of early 2026 at least six insurers offered short-term coverage in Florida, some with the full 36-month duration.
Licensed in Florida and 28 other states as Rohr Health Advisors LLC. See the full list and verify the license, or start with the situation that matches yours.
Twenty minutes. Both markets priced side by side for your household.
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