Health insurance in Florida: HealthCare.gov, Medicaid and your options

HealthCare.gov dates for 2027 coverage

CMS lists Florida as a federally facilitated Marketplace state for plan year 2027, so you apply at HealthCare.gov. Outside Open Enrollment you need a qualifying life event. See special enrollment periods.

As of October 12, 2026, HealthCare.gov says 2027 income levels and savings are coming November 1. Until then, its estimate tool uses 2026 amounts. See premium tax credit for how the credit works.

Who can get Medicaid in Florida

The Florida Department of Children and Families (DCF) lists these Medicaid groups:

• Parents and caretaker relatives of children up to age 18 who live with them, based on income limits.
• Children under 21.
• Pregnant women, based on income limits.
• Former foster youth under 26 who were on Florida Medicaid when they left care, with no income limit.
• People 65 or older or with a disability, through SSI-related Medicaid.
• Non-citizens who would qualify except for citizenship status, for a serious medical emergency.

You apply online through DCF's MyACCESS portal (myaccess.myflfamilies.com). DCF publishes the income limits for each group on its "Determining your income limit" page. If your family doesn't qualify for Medicaid, Florida KidCare offers low-cost coverage for children under 18 based on family income.

The coverage gap, and what to do

Florida has not adopted the ACA Medicaid expansion (KFF's state tracker, October 1, 2026). HealthCare.gov explains what that means: adults with incomes below 100% of the federal poverty level who don't qualify for Medicaid based on disability, age or other factors can fall into a coverage gap. Their income is too high for Florida Medicaid but below the range where Marketplace savings start.

• Apply anyway. HealthCare.gov says to fill out a Marketplace application even if your income looks too low. More detailed income information may put you in the savings range, and state options may still apply if you have children, are pregnant or have a disability.
• Use a community health center. They charge on a sliding scale based on income.
• Look at a catastrophic plan, which protects against very high costs from an accident or serious illness. See catastrophic health insurance.
• Report income changes. If your expected yearly income rises to between 100% and 400% of the poverty level, contact the Marketplace within 60 days to check for a premium tax credit.

How to enroll, and where Gabriel fits

1. Gather your details: your household, expected 2027 income, any job-based coverage offer, and your doctors and prescriptions.
2. Apply at HealthCare.gov, or with a licensed agent, broker or free local help.
3. Compare the premium after any tax credit, the deductible, the out-of-pocket maximum and the network.
4. Pick by December 15 for January 1 coverage, then pay your first premium.

For help with an insurer, the Florida Department of Financial Services Division of Consumer Services has health insurance FAQs, Affordable Care Act information and mediation for disputes. Its insurance help line is (850) 413-3089.

Gabriel can quote Marketplace plans for your ZIP code and household, show the price after any tax credit, and open your own application with a licensed agent in most states. You choose the plan and finish the application. Separate from insurance, Gabriel Core is $49 per adult a month (kids under 18 included) with member prices close to cost on lab tests, supplements, prescriptions and bioregulators, plus unlimited virtual urgent care and virtual primary care.

Gabriel is not an insurer. Health insurance quotes and enrollment are handled by Gabriel Labs, Gabriel's separately licensed insurance agency. Gabriel membership is not health insurance, doesn't count as minimum essential coverage, and doesn't replace a health plan's protection against large medical bills.