Compare Your Florida Marketplace Health Plans
In Minutes
Trusted Carriers. Expert Guidance. Local Agents.
Whether you need ACA Marketplace coverage, short-term health insurance, or a private health plan, Landel Insurance helps Florida residents find affordable health coverage. We compare plans from multiple carriers, check your subsidy eligibility, and guide you through enrollment. Our licensed Florida health insurance agents make finding the right plan simple and stress-free.
What Florida Residents Say About Landel Insurance
"Sean at Landel Insurance made the Medicare process so simple. He explained all my options clearly and found me a plan that saved me over $200 a month. Highly recommend!"
"After struggling with my homeowners insurance for years, Landel Insurance found me better coverage at a lower price. Their customer service is outstanding."
"Finally, an insurance agent who actually picks up the phone! Sean took the time to answer all my questions about health insurance options. No pressure, just helpful advice."
How We Help Florida Residents Find the Right ACA Health Plan
We help individuals and families compare Affordable Care Act (ACA) Marketplace plans across Florida.
Check Subsidy Eligibility
Find out if you qualify for premium tax credits to lower your monthly costs.
Compare Monthly Premiums & Deductibles
See all your plan options side-by-side to find the best value.
Verify Doctors & Prescriptions
Make sure your preferred doctors and medications are covered.
Enroll During Special Enrollment
Lost coverage? Had a life change? We help you enroll year-round.
Annual Renewal Reshopping
Each year we review your plan to ensure you still have the best option.
Calculate Your Monthly Cost
See your estimated ACA premium in seconds
Key Features of Marketplace Health Plans
Comprehensive Coverage
Includes essential benefits like preventive care, prescription drugs, maternity care, and more.
Plan Categories
Choose from Bronze, Silver, Gold, and Platinum plans, based on cost-sharing preferences.
Financial Assistance
Many qualify for subsidies or tax credits to reduce monthly premiums.
Enrollment Periods
Sign up during Open Enrollment or qualify for a Special Enrollment Period due to life changes.
Understand Your Enrollment Periods
Open Enrollment Period
The Open Enrollment Period (OEP) is the designated time each year when individuals and families can sign up for, renew, or change their health insurance plans through the ACA Marketplace.
- Typically runs from November 1 to January 15
- Coverage starts January 1 if enrolled by December 15
- Best time to explore coverage options and apply for financial assistance
Special Enrollment Period
A Special Enrollment Period (SEP) is a time outside the Open Enrollment Period when you can sign up for a Marketplace health plan if you experience certain life events.
You may qualify for an SEP if you:
- Get married, divorced, or have a baby
- Move to a new state or coverage area
- Experience other major life changes
Who is Eligible?
Marketplace health insurance is available to U.S. citizens and legal residents who are not covered by Medicare, Medicaid, or employer-based insurance.
Eligibility is open to:
- Individuals and families looking for affordable health coverage
- Self-employed individuals
Understanding the Affordable Care Act (ACA)
Learn about the ACA Marketplace, subsidies, plan types, and how to find the right health insurance coverage for your family.
What is the ACA Marketplace?
The Health Insurance Marketplace, also known as the Exchange, is where individuals and families can shop for and enroll in affordable health insurance plans.
- Created by the Affordable Care Act (Obamacare)
- Standardized plans with essential health benefits
- Available subsidies for qualifying individuals
- Cannot deny coverage for pre-existing conditions
Plan Metal Tiers Explained
ACA plans are categorized into metal tiers based on how much of your medical costs they cover:
- Bronze: Covers 60% of medical costs, lowest premiums
- Silver: Covers 70% of medical costs, moderate premiums
- Gold: Covers 80% of medical costs, higher premiums
- Platinum: Covers 90% of medical costs, highest premiums
Premium Tax Credits
Premium tax credits help lower your monthly health insurance costs if you qualify based on income.
- Available for households earning 100-400% of the federal poverty level
- Can be applied directly to lower monthly premiums
- Amount based on income and local plan costs
- Must be reconciled on your tax return
Ten Essential Health Benefits
All ACA Marketplace plans must include these essential health benefits:
Ambulatory Patient Services
Outpatient care without hospital admission
Emergency Services
Emergency room visits and urgent care
Hospitalization
Inpatient hospital stays and treatments
Pregnancy & Newborn Care
Maternity and newborn care services
Mental Health Services
Mental health and substance abuse treatment
Prescription Drugs
Coverage for essential medications
Rehabilitative Services
Physical therapy and rehabilitation
Laboratory Services
Lab tests and diagnostic services
Preventive Care
Wellness visits and screenings at no cost
Pediatric Services
Dental and vision care for children
Cost-Sharing Reductions (CSR)
Cost-sharing reductions are available with Silver plans for households earning between 100-250% of the federal poverty level.
Our Trusted Partners
Marketplace health plans available from Florida's top-rated insurance providers
Florida Marketplace Health Plans FAQs for 2026
Common questions about ACA Marketplace health insurance plans
What are ACA Marketplace health plans?
ACA (Affordable Care Act) Marketplace plans are health insurance plans sold through Healthcare.gov or state exchanges. These plans meet specific standards for coverage and offer essential health benefits with potential income-based subsidies.
Key Feature: All Marketplace plans cover the 10 essential health benefits required by law.
When can I enroll in a Marketplace plan?
Most people can only enroll during specific time periods, unless they qualify for a Special Enrollment Period due to certain life events.
Open Enrollment
November 1 - January 15 annually
Special Enrollment
After qualifying life events
What are premium tax credits and how do they work?
Premium tax credits are financial assistance that help lower your monthly premium costs for Marketplace plans. The amount depends on your income and family size.
Income Range
- 100% - 400% of Federal Poverty Level
- Credits applied monthly to premiums
- Can be taken as advance payments
How It Works
- Lowers monthly premium payments
- Based on second-lowest-cost Silver plan
- Reconciled on your tax return
What are the metal tiers and how do they differ?
Marketplace plans are organized into metal tiers that indicate how you and the plan share costs. Higher tiers have higher premiums but lower out-of-pocket costs when you need care.
Bronze
Plan pays ~60% of costs
Silver
Plan pays ~70% of costs
Gold
Plan pays ~80% of costs
Platinum
Plan pays ~90% of costs
What are cost-sharing reductions (CSR)?
Cost-sharing reductions are additional savings available only with Silver plans for people with household incomes between 100-250% of the Federal Poverty Level.
✅ What CSR Reduces
Deductibles, copayments, coinsurance, and out-of-pocket maximums
⚠️ Important Note
Only available with Silver tier plans
Do I need to stay in-network with Marketplace plans?
Most Marketplace plans use provider networks to manage costs. The type of plan you choose determines how network restrictions apply.
HMO Plans
- Must stay in-network
- Need referrals for specialists
- Primary care physician required
PPO Plans
- Can see out-of-network providers
- Higher costs for out-of-network
- No referrals needed
EPO Plans
- Network-only except emergencies
- No referrals needed
- Balance of cost and flexibility
What happens if I don't have health insurance?
While there's no longer a federal penalty for not having health insurance, some states have their own penalties. More importantly, being uninsured leaves you financially vulnerable to medical costs.
Financial Risk: Without insurance, you're responsible for 100% of medical costs, which can be financially devastating.
Can I change my Marketplace plan during the year?
Generally, you can only change your Marketplace plan during Open Enrollment or if you qualify for a Special Enrollment Period due to certain life events.
✅ Qualifying Events
Marriage, moving, losing coverage, having a baby
⏰ Time Limit
Must enroll within 60 days of qualifying event
How much can Florida residents save with ACA subsidies in 2026?
Over 90% of Florida Marketplace enrollees receive financial assistance. Your savings depend on household income and family size.
2026 Florida Subsidy Examples (Individual)
💡 Pro Tip: Many Floridians qualify for $0 or near-$0 premium plans with subsidies. Use our calculator above to see your estimated savings!
Which insurance companies offer Marketplace plans in Florida?
Florida has multiple carriers competing for your business, which helps keep prices competitive:
Note: Available carriers vary by Florida county. We help you compare all plans available in your area.
How can Landel Insurance help me find the right Marketplace plan?
Our service is 100% free—we're paid by the insurance companies, not you.
We calculate your exact subsidy amount and find plans that fit your budget.
We compare all carriers to find the best network, benefits, and total cost for you.
We handle the Healthcare.gov application and enrollment process for you.
We're here for claims issues, coverage questions, and life changes all year.
Can I be denied coverage for pre-existing conditions in Florida?
Absolutely not! The Affordable Care Act guarantees protections for people with pre-existing conditions:
Cannot be denied coverage
Cannot charge more for health status
Full coverage from day one
Covered conditions include: Diabetes, cancer, heart disease, asthma, mental health conditions, pregnancy, and any other health condition you may have.
I'm self-employed in Florida—are Marketplace plans a good option?
Yes! The Marketplace is ideal for self-employed Floridians, freelancers, and small business owners:
💼 Why It Works
- Subsidies based on your projected income
- Premiums are tax-deductible
- Same quality plans as large employers
- Includes all essential health benefits
📈 Income Considerations
- Use projected annual income
- Update if income changes significantly
- Reconcile on tax return
- Variable income? We can help estimate
Should I choose Marketplace coverage or my employer's plan?
It depends on your situation. Here's a comparison to help you decide:
| Factor | Marketplace | Employer Plan |
|---|---|---|
| Subsidy Eligibility | Only if employer plan is "unaffordable" | N/A |
| Employer Contribution | No | Often 50-80% of premium |
| Plan Choice | Multiple carriers/plans | Limited options |
| Pre-Tax Premiums | No (post-tax) | Yes (reduces taxable income) |
Rule of Thumb: If your employer pays a significant portion of the premium, their plan is usually the better deal. If not, or if you're part-time, check Marketplace options—you might save more with subsidies!
Ready to Compare Marketplace Health Plans?
Our licensed health insurance specialists will help you find the right plan at the best price.
