State guides answer the three intake questions brokers get before income: which exchange platform, whether Medicaid expansion changes the subsidy cliff, and which carriers filed in the state for 2026.
At a glance
- Florida uses HealthCare.gov (FFM) for individual market enrollment.
- Medicaid expansion status: not expanded.
- CMS lists 1 issuer on file for 2026.
- Sample rating area: Tampa (33602).
Marketplace snapshot
Figures below come from CMS Marketplace filings for plan year 2026. The sample ZIP is 33602 in Tampa. Use coverage preview for another rating area, then quote the household when you need APTC and CSR math.
| Field | FL · 2026 |
|---|---|
| Exchange platform | HealthCare.gov (FFM) |
| Medicaid expansion | Not expanded |
| Plans in Tampa (33602) | Not returned yet |
| Premium range (before APTC) | Not returned yet |
| Issuers on file | 1 |
Exchange platform
Florida runs on HealthCare.gov (FFM). Confirm SEP and OEP deadlines on the state site when the household is not on the federal HealthCare.gov window.
Medicaid expansion
This state did not expand Medicaid. The coverage gap can apply between traditional Medicaid limits and Marketplace subsidy eligibility.
Open enrollment
Federal Marketplace OEP runs November 1 through January 15 for plan year 2026. Coverage effective dates follow Healthcare.gov rules for enrollments completed by December 15 and January 15.
Carriers in this state
Issuer rows come from CMS filings. Browse all carriers in FL.
Quote on QuoteTurbo with live APTC and CSR for the same household.
