Health insurance in Florida for 2027

In its quarterly report for the period ending June 30, 2026, The Cigna Group says that in April 2026 it “announced its planned exit from the Individual and Family Plans medical business as of January 1, 2027.” (The Cigna Group is a separate company from the Cigna insurance companies that issue these plans, and it isn’t responsible for their financial condition or their obligations under their policies.) KFF’s tracker of insurer changes, updated September 15, 2026, says Cigna “will exit the 11 states in which it currently participates both on- and off-exchange,” and Florida is on its list. No Cigna company has a 2027 Florida rate filing on CMS’s rate review site. Your Cigna plan runs through December 31, 2026. After that, whether you bought it on HealthCare.gov or straight from Cigna, plan on a different company’s plan.

In 2026, Cigna sold HealthCare.gov plans in 11 of Florida’s 67 counties: Broward, Collier, Indian River, Lake, Martin, Miami-Dade, Orange, Osceola, Palm Beach, St. Lucie and Seminole. Its EPO plans, shown on HealthCare.gov as Cigna Healthcare, come from Cigna Health and Life Insurance Company. In six of those counties there are also HMO plans from Cigna Healthcare of Florida, Inc. In each of the 11 counties, at least five other companies that sold HealthCare.gov plans there in 2026 have filed 2027 rates that include HealthCare.gov plans (counting Florida Blue’s two companies separately): five in Collier, Indian River, Martin and St. Lucie, up to nine in Orange and Seminole. I haven’t found a public list yet of where each one will sell in 2027.

Your letters. If your plan came through HealthCare.gov, HealthCare.gov says you should get two letters by November 1: one from your insurance company, and one from the Marketplace, which is HealthCare.gov itself. The insurance company’s letter should say whether your plan is available for 2027 and whether the company is offering you anything else. Together, HealthCare.gov says, the two letters tell you which plan, if any, you’ve been matched with. The Marketplace’s letter also tells you anything you need to do to keep getting a tax credit. Keep both.

If you do nothing. HealthCare.gov says: “If your company isn’t offering plans for next year, we’ll re-enroll you in a plan with a different insurance company. Your plan doesn’t start until you pay your first monthly premium.” So if that happens, watch for the new company’s first bill and pay it. The federal rule says the Marketplace “may” make that move: where Florida’s insurance regulator directs, or, if the regulator gives no direction, into a similar plan the Marketplace chooses. CMS’s enrollment manual says it then looks for a plan that covers where you live, at the same level (like silver) and of the same type (like HMO) where it can, weighing which company can take on new members and which plan has the lowest premium. Your doctors and prescriptions aren’t on that list. HealthCare.gov also says that in some cases you won’t be re-enrolled at all.

If you bought your Cigna plan outside HealthCare.gov, the Marketplace won’t move you. It re-enrolls only people it enrolled, and CMS’s standard letter for a plan ending off HealthCare.gov says to pick a different plan by a set date or go without coverage. You can pick one on HealthCare.gov or off it, but only a plan bought through HealthCare.gov can come with a tax credit.

If you miss December 15. Because your plan is ending, you also get a special enrollment period. HealthCare.gov counts a discontinued plan as losing coverage, and gives you 60 days before and 60 days after your coverage ends to pick a new plan. Pick one before your coverage ends and it starts the first day of the month after your coverage ends, so a plan picked by December 31 would start January 1. Pick one later and it starts the first day of the month after you pick. Either way, you may be asked for documents showing the loss, and if you’re new to HealthCare.gov, CMS says you’ll have to send them before you can use the plan. You have 30 days after picking to send them, and if you’re asked and don’t, you won’t qualify. And if you’re already on HealthCare.gov, it may only let you choose from your current plan category, like bronze or silver. Don’t plan around the special enrollment period. December 15 is simpler.

What I’d do now:

• Watch for those two letters and keep them. If you’re asked for proof, you’ll need “documents showing the lost coverage and the date it ends,” in HealthCare.gov’s words.
• Write down your doctors, your hospital and every prescription you take.
• Update your 2027 application on HealthCare.gov, income included. HealthCare.gov says that when the application asks whether you’re losing coverage, you should say you’re losing it on December 31.
• When 2027 plans show up on HealthCare.gov, check each one you’re considering for your doctors and drugs, including any plan you’re matched with, and call your doctors’ offices to ask whether they’ll take that plan in 2027.
• Pick your plan by December 15, and pay the new company’s first bill, so it starts January 1.

Florida uses HealthCare.gov. For plan year 2027, CMS lists Florida as a federally facilitated marketplace state. I help people in Florida enroll through HealthCare.gov and HealthSherpa.

Open enrollment starts November 1, 2026. A plan you pick by December 15 starts January 1, 2027. A plan you pick from December 16 through January 15, 2027 starts February 1.

The January 15 end date is contested. CMS gives that date, and so does HealthCare.gov’s own dates page. A federal rule finalized in June 2025 would have ended open enrollment on December 15 instead. A federal district court threw out that part of the rule in June 2026, the government appealed, and the appeals court hears argument on October 30, 2026. Until a court changes them, CMS’s dates are the ones that count. My 2027 open enrollment guide follows the case.

These are the 13 companies whose 2027 Florida individual-market rate filings are on CMS’s rate review site, as I read it on September 27, 2026. I’ve left their requested prices out on purpose: they’re requests, not approved rates.

Three other companies that sold plans here in 2026 aren’t on CMS’s 2027 list: Molina Healthcare of Florida; Sunshine State Health Plan, whose 2026 HealthCare.gov plans were sold as Ambetter Health in 11 counties; and Community Care Network, which appears to be the company HealthCare.gov listed as 22 Health, in Broward only. (The Ambetter Health in the table is a different company, Centene Venture Company Florida.) I couldn’t confirm that any of the three is leaving. None has announced an exit that I could find, and CMS only lists filings that change rates, so a missing name isn’t proof. If your plan is from one of them, your renewal letter should say what happens to it.

Florida’s Office of Insurance Regulation had to finish reviewing HealthCare.gov plan filings by August 12, 2026, but it hasn’t published 2027 rates yet. CMS says it plans to post final 2027 rates no later than October 30, 2026. Last year, the Office’s table of approved 2026 rates was dated October 16, 2025.

The tax credit that lowers your monthly premium is still there for 2027. Between the poverty line and four times it, the credit is figured so that what you’d pay for your area’s benchmark plan, the second-lowest-cost silver plan, comes to a set share of your income. If benchmark prices go up, the credit goes up with them, though other plans’ prices can still move by more or less. The limit that came back after 2025 is at the top: above four times the poverty line, there’s no credit at all. And starting with 2027, fewer people who aren’t U.S. citizens qualify. My article on Florida’s subsidy cliff goes through where the line falls and what to do near it.

Florida hasn’t expanded Medicaid under the Affordable Care Act, so Medicaid here covers set groups of people, not every adult under an income line. The groups include children, pregnant women, parents and caretakers of a child under 18, and people who are 65 or older or have a disability. The limit for parents is low: for a parent in a family of three, $600 a month, according to Florida’s Department of Children and Families (its limits for April 2026 through March 2027). The Department’s own example: a single adult under 65 who isn’t disabled or pregnant and has no children under 18 at home “does not fit within any Medicaid eligibility categories.”

That leaves a gap, because the tax credit for a HealthCare.gov plan starts at the poverty line. For 2027 coverage, the poverty line is $15,960 a year for one person, $21,640 for two, $27,320 for three and $33,000 for four. HealthCare.gov puts it plainly: if your state hasn’t expanded Medicaid, your income is below the poverty line and you don’t qualify for Medicaid under your state’s rules, “you won’t qualify for either health insurance savings program.” It still says you should fill out a Marketplace application.

You can apply for Florida Medicaid any time of year, online through the Department’s MyACCESS site.

If you aren’t a U.S. citizen, check before you count on Medicaid or the tax credit. Florida’s Department of Children and Families says that as of October 1, 2026, Medicaid is only available to U.S. citizens and nationals, green card holders, Cuban or Haitian entrants, and people here under the Compacts of Free Association, while lawfully residing children 18 and under stay eligible. Starting with 2027 coverage, the tax credit is limited to the same four groups, with no separate rule for children.

Florida KidCare covers children from birth through age 18. Which part of it a child is in depends on age and family income: Medicaid (birth through 18), MediKids (ages 1 through 4), Florida Healthy Kids (ages 5 through 18), or the Children’s Medical Services Health Plan (ages 1 through 18, for children with special health care needs). There’s no premium for Medicaid. Above Medicaid’s limits, Florida’s Agency for Health Care Administration lists a premium of $15 or $20 a month for the whole family, depending on income. Where the subsidized range ends is stated two ways: the Agency’s page says 200% of the poverty line, and the Legislature’s economists and CMS say 210%. Above that, MediKids and Florida Healthy Kids have a full-pay option, or your children can be on your HealthCare.gov plan, where the tax credit can help pay for their coverage too.

You can apply any time of year, at floridakidcare.org. If you apply for Medicaid through the Department of Children and Families and your children don’t qualify, the Department says it shares their information with KidCare automatically, and KidCare sends you a letter about signing up.

You may read that Florida raised KidCare’s income limit to 300% of the poverty line. The law says so, but as of July 2026 it hadn’t taken effect. The Legislature’s economists left it out of their KidCare forecast that month and wrote that “it is currently unknown what the state’s next steps will be.” So ask KidCare what your family qualifies for when you apply, and don’t count on the higher limit.