I'm Julian Sanchez de la Rosa, an independent broker licensed in Florida and 30 other states. Tampa is home, so if you're in the Bay Area we can meet in person. This page lays out what coverage actually costs here and how Florida works, so you can decide whether it's worth a conversation.
Coverage here is tiered — an entry plan, a middle plan and a top plan, all on a national PPO network. The low end of the range below is the entry plan with nothing added; the high end is the top plan with dental, vision and a critical-illness rider on top.
| Household | Low end | High end |
|---|---|---|
| Single adult, 30 | $140 | $720 |
| Single adult, 40 | $205 | $840 |
| Single adult, 50 | $295 | $1,080 |
| Single adult, 60 | $530 | $1,475 |
| Couple, 40 and 38 | $420 | $1,260 |
| Family of four, parents 40 | $665 | $1,740 |
Estimates, not quotes. Your actual premium depends on the plan you choose and the carrier's underwriting. Want a figure for your own household? Run the estimator.
Florida doesn't run its own exchange, so subsidized ACA plans are on healthcare.gov. If your income qualifies you for a subsidy, that's often the better deal and I'll say so. If it doesn't, the private market usually wins — that's the comparison worth running.
That leaves a coverage gap: if your income is too high for Florida Medicaid but below the subsidy threshold, the marketplace may not help you much. Florida is one of the three states with the largest share of that gap population nationally. It's the first thing I check, because it changes the whole conversation.
4,538,772 Floridians enrolled for 2026, one of the largest marketplaces in the country. More than 95% qualified for a subsidy, the average premium after subsidy was about $106 a month, and 34% paid under $10. If you've been assuming the exchange isn't worth checking, those numbers say otherwise — check first, then we talk about whether private beats it.
Full-price premiums jumped about 31.5% for 2026. For 2027 the filings are all over the map — some carriers near 4%, others near 39% — and Cigna is leaving Florida entirely. Sunshine State Health Plan is also winding down, moving members to Ambetter. If your plan is going away, auto-renewal won't save you. This is the year the plan you had is least likely to still be the right one.
Open enrollment for 2027 coverage opens November 1, 2026. The closing date is unsettled this year — a federal court struck down the rule that would have shortened the window, and the appeal is being argued in late October 2026. The date that hasn't moved is December 15: enroll by then if you want coverage that starts January 1. For the confirmed final deadline, check healthcare.gov directly rather than trusting a date you read anywhere — including here.
Either way, the question I help people answer is the same one: does a subsidized marketplace plan beat what you can buy privately? That depends on your income, your household, and which doctors you want to keep. It takes one conversation to work out, and I'll tell you if the answer is "go to the exchange, you don't need me."
Self-employed people, 1099 contractors, families, and small business owners — anyone without an HR department handing them a benefits packet.
30 seconds. I reach out. You decide — no pressure, no obligation.
Prefer to skip the form? Book a time on my calendar
Most of my clients don't have an HR department. They're buying coverage on their own — and the market is confusing if this isn't your full-time job. So I lay the plans out side by side in plain English: what each one actually covers, what it costs you when you use it, and where the real differences are. No jargon, no fine print buried at the bottom — just a clear comparison so you can see the trade-offs yourself and make the call with confidence.
1099, freelance, or your own LLC. You need real coverage without an employer footing the bill — and premiums may be tax-deductible.
Spouse, kids, or both. We'll look at what it actually costs to keep your pediatrician and your budget intact.
Laid off, quitting, aging off a parent's plan, or staring down a COBRA bill. Losing coverage opens a special enrollment window.
A handful of employees and no idea where to start. There are more options than you think, and some don't require a group plan.
I'm an independent broker. I shop the market, bring you what's actually available, and show you the trade-offs honestly — including when the answer is "stay where you are."
As an independent broker, I compare plans from different insurance companies side by side and walk you through how they actually differ.
Open Enrollment has a deadline, but life events — losing coverage, moving, marriage, a new baby — open a special enrollment window. Some private options are available year-round.
Self-employed people can often deduct health insurance premiums. I'll flag when it applies so you can raise it with your accountant.
The enrollment is the easy part. I'm still here when a claim gets denied, a card doesn't arrive, or your income changes mid-year.
Prefer to skip the form? Book a time on my calendar