🌴 Florida · ACA Plans

ACA Plans
in Florida

Compare the coverage levels of the Florida Marketplace. Find the plan that fits your family and budget.

Plans can start from low cost or $0 depending on your income, eligibility and ZIP code.

Obamacare ACA plans Florida – Marseguros USA plan comparison

Notice: Marseguros USA is an independent agency. Plans, prices and subsidies vary by income, ZIP code, insurer and availability in your Florida county.

ACA Coverage Levels in Florida

The federal Marketplace offers 4 coverage levels. Each one balances the monthly cost (premium) against what you pay when you use the insurance (deductible and copays).

Plan Bronze

Monthly premium: Lower

Deductible: Higher

Covers 60% of medical costs on average.

Young, healthy people who rarely use medical services.

Plan Silver

Monthly premium: Moderate

Deductible: Moderate

Covers 70% of medical costs on average.

Families with income between 100%-250% of the federal poverty level. They may qualify for additional reductions (CSR).

Plan Gold

Monthly premium: High

Deductible: Low

Covers 80% of medical costs on average.

People who use medical services frequently or have chronic conditions.

Plan Platinum

Monthly premium: Higher

Deductible: Very low

Covers 90% of medical costs on average.

Those who need constant medical care and want minimal out-of-pocket costs.

Subsidies

How much subsidy can you receive in Florida?

The table on the right shows approximate income levels that may qualify for ACA subsidies. Exact amounts depend on household size, state of residence and other factors.

This table is for guidance only. Eligibility and the subsidy amount are determined when you get a quote from a certified agent.

Check my eligibility for free

Obamacare ACA subsidy table Florida – eligible income levels

Guidance table. Subsidies subject to availability and individual eligibility.

Frequently Asked Questions

Which ACA plans are available in Florida?

In Florida the federal Marketplace (HealthCare.gov) offers Bronze, Silver, Gold and Platinum plans from multiple insurers depending on your ZIP code. Options vary by county. Our agents can show you all the options available in your area.

How do I know if I qualify for ACA subsidies in Florida?

In general, qualifying for subsidies depends on your annual income (typically between 100% and 400% of the federal poverty level), your immigration status and not having access to affordable coverage through your employer. Our agents verify your eligibility for free.

What is the Silver plan with CSR in Florida?

Cost-Sharing Reductions (CSR) are additional discounts available ONLY on Silver plans for families with income between 100%-250% of the federal poverty level. They lower the deductible, copay and out-of-pocket maximum.

Can I change my ACA plan in Florida after enrolling?

You can change your plan during the annual Open Enrollment. If you have a qualifying life event (job loss, marriage, birth, move), you can change during a Special Enrollment Period.

Compare ACA plans in Florida for free

Our CMS-certified agents analyze all the options available in your ZIP code.

Talk to an agent now (305) 988-2372

ACA Plansin Florida