See your 2026 Florida health insurance cost
A plain-language estimate of your monthly Marketplace premium, shown with the enhanced subsidies and without them. The enhanced credits expired December 31, 2025; here is what that could mean for you.
Estimate your 2026 premium
How this works
Three short steps. We never ask for your name, email, or Social Security number.
Your Florida area and ages set the benchmark Silver plan estimate.
We compare it to the federal poverty level to estimate the tax credit.
Your monthly cost with enhanced credits and under current law, side by side.
Understand the 2026 changes
All news & guides →Policy status
What changed after the enhanced subsidies expired, and what to watch in Congress.
The subsidy cliff
Why earning over 400% of poverty can remove the premium tax credit under current law.
Florida's coverage gap
What it means when income is too low for Marketplace subsidies in a non-expansion state.
What this estimate does and does not do
The calculator estimates the benchmark Silver plan premium, the federal poverty level percentage, and the premium tax credit under two rule sets. Rates are illustrative for implementation and must be replaced with filed 2026 CMS data before consumer launch.
This is not a quote, not enrollment, and not insurance, tax, or legal advice. Confirm actual coverage and pricing at HealthCare.gov. See the full Florida ACA subsidy methodology.
How to verify a Florida ACA subsidy estimate
Start with the calculator result, then slow down before treating the monthly premium as final. A Florida ACA subsidy estimate depends on household size, ages, rating area, annual income, tobacco status where applicable, and the benchmark Silver plan used for the official Marketplace calculation. A small income change can move the household into a different federal poverty level percentage, and a change in household members can alter both the expected contribution and cost-sharing reduction eligibility.
The safest workflow is to use CoverClarity for a plain-language comparison, open the methodology to understand the assumptions, then confirm final prices and eligibility at HealthCare.gov. If your result is near 100% FPL, review the Florida coverage-gap warning. If your result is near 250% FPL, pay close attention to Silver plan cost-sharing reductions. If your result is around or above 400% FPL, compare the enhanced-credit scenario with the current-law cliff rather than relying on one number.
Official references should come first for any decision. The IRS Premium Tax Credit topic explains the tax-credit concept, IRS Publication 974 explains reconciliation details, and HHS/ASPE poverty guidelines provide the poverty-guideline reference. Use those sources with the sources and corrections page when you need to check whether a rule, date, or assumption has changed.