Florida Health Insurance Statistics 2026: 50+ Data Points on Enrollment, Premiums, Uninsured Rates and Coverage

Florida Uninsured Rate vs. the U.S.

The American Community Survey (ACS) measures coverage at the moment a person is interviewed. The Current Population Survey (CPS) only counts someone as uninsured if they had no coverage for the entire year. Because of this, the two surveys produce different uninsured rates (CBPP, 2025). State comparisons below use the ACS, which has a much larger sample.

• Nationally, the ACS uninsured rate rose from 7.9% in 2023, a record low, to 8.2% in 2024. Rates went up in 18 states plus D.C. (Census Bureau, 2025).
• In 2024, state uninsured rates ranged from 2.8% in Massachusetts to 16.7% in Texas (Census ACS, 2024).
• Florida is one of 10 states that have not expanded Medicaid. In 2024 the under-65 uninsured rate was 14.5% in non-expansion states and 8.0% in expansion states (KFF, 2024 data).
• By the CPS full-year measure, 26.7 million Americans (7.9%) were uninsured for all of 2025, which is not statistically different from 2024 (Census CPS ASEC, 2025).
• KFF projects that the 2025 reconciliation law combined with the expiration of enhanced tax credits will add about 1.5 million uninsured Floridians by 2034. The law alone accounts for about 590,000. Florida is among the three states (with Louisiana and Arizona) projected to see uninsured rates rise by at least 5 percentage points (KFF, 2025).
• The Urban Institute projected that if the enhanced tax credits expired, 592,000 more Floridians would be uninsured in 2026 (+29%) than if the credits had been extended (Urban Institute, 2025).

ACA Marketplace Enrollment in Florida

Florida uses the federal HealthCare.gov platform. It has had the largest Marketplace enrollment of any state in both 2025 and 2026 (CMS, 2026).

Open enrollment plan selections by year

*Calculated by floridahealthinsuranceweb.com from the CMS figures shown.

Effectuated (paid) enrollment

"Plan selections" counts sign-ups. "Effectuated enrollment" counts only people who actually paid their first premium.

• Nationally, the effectuation rate fell from 90% in 2025 to 83% in 2026. Enrollment in HealthCare.gov states dropped 15%, compared with 6% in state-based Marketplaces (KFF, 2026).
• More than 20% of Floridians under 65 use ACA Marketplace coverage. Nationally the figure is about 7% (The Conversation).
• 16 private insurers offered 2026 Marketplace plans in Florida, though availability varies by area (healthinsurance.org, 2026).
• The Urban Institute projected that if the enhanced tax credits expired, subsidized Marketplace enrollment in Florida would be 1,080,000 lower in 2026 (−33%) than if they were extended (Urban Institute, 2025).

County and regional data

CMS publishes county-level Marketplace plan selections in its Open Enrollment Public Use Files (CMS PUFs, 2026). We have not reproduced Florida county Marketplace figures here because we did not verify them independently. County-level Medicare Advantage data appears in the Medicare section below.

Average Premiums and Subsidy Stats

Selected 2026 Florida insurer rate filings

Florida rate filings can be searched in the Florida Office of Insurance Regulation's IRFS system (Florida OIR) and on RateReview.HealthCare.gov.

National subsidy context, 2026

• The average monthly premium enrollees paid rose 58%, from $113 to $178. The share receiving tax credits fell from 92% to 87% (KFF, 2026).
• The average deductible rose 37%, from $2,759 to $3,786. Bronze plans grew from 30% to 40% of plan selections (KFF, 2026).
• The Urban Institute projected that average annual net premiums for subsidized enrollees under 250% of the poverty level would rise from $169 under enhanced credits to $919 under standard credits (Urban Institute, 2025).

Medicaid and Medicare Enrollment in Florida

Medicaid and CHIP

• In April 2026, 2,294,707 children were enrolled in Florida Medicaid or CHIP. That is about 64% of total enrollment (share calculated) (Medicaid.gov, 2026).
• Nationally, 73.2 million people were enrolled in Medicaid/CHIP in June 2026. Medicaid enrollment fell 5.1 million (6%) between June 2025 and June 2026. Florida was one of 20 states where CHIP enrollment increased (KFF, 2026).
• Florida has not expanded Medicaid. The income limit for parents is about 27% of the poverty level, and adults without children are not eligible regardless of income (healthinsurance.org).
• In 2024, about 1.2 million uninsured adults in the 10 non-expansion states fell into the "coverage gap." Their income was too high for Medicaid but below 100% of the poverty level, where Marketplace subsidies begin (KFF, 2024 data).
• Roughly 9 in 10 Florida Medicaid beneficiaries are enrolled in managed care plans (healthinsurance.org). Detailed plan and county breakdowns are published in AHCA's monthly enrollment reports (Florida AHCA).

Medicare

*Share calculated from CMS counts.

• In March 2026, 4,393,587 Florida beneficiaries had Part D drug coverage: 1,548,843 through stand-alone PDPs and 2,844,744 through MA-PD plans (CMS, 2026).
• Medicare Advantage penetration was highest in Miami-Dade (75.2%), Osceola (71.7%) and Gadsden (71.5%) counties as of June 2026 (MedicareInsights, CMS data, 2026).
• Humana held 38.1% of Florida Medicare Advantage enrollment in September 2026. UnitedHealth held 28.8% (MedicareInsights, CMS data, 2026).
• Florida had the highest Medicare spending per beneficiary of any state in 2020, at $13,652 (CMS NHE, 2020).

Employer Coverage

Coverage by Age, Income and Race/Ethnicity

By age

Georgetown CCF found that Texas, Florida and Georgia together accounted for more than half of the national increase in uninsured children under 6 between 2022 and 2024 (Georgetown CCF, 2026). Florida's child estimates differ between sources (7.5% vs. 8.5%), so see the methodology note before citing either one.

By income

• 29% of Floridians have incomes below 200% of the federal poverty level, and the state's median household income is $72.6K (Commonwealth Fund).
• Nationally, the uninsured rate for people below 138% of the poverty threshold rose from 13.3% to 14.0% in 2024. For people above 400%, it rose from 3.6% to 3.8% (CBPP/Census ACS, 2024).
• In 2024, 80.1% of uninsured Americans were in low-income families and 85.1% had at least one worker in the family (KFF, 2024 data).

By race/ethnicity

We did not verify Florida-specific uninsured rates by race and ethnicity for 2024, so the table shows national rates. SHADAC's State Health Compare tool provides state-level breakdowns (SHADAC).

Cost of Care and Hospital Stats

• U.S. national health spending reached $5.3 trillion in 2024, or $15,474 per person and 18.0% of GDP. Hospital spending grew 8.9% to $1,634.7 billion (CMS NHE, 2024).
• In 2024, 38.6% of uninsured adults delayed or went without care because of cost, compared with 17.0% of adults with private coverage (KFF, 2024 data).

Florida vs. Texas, California and New York

*New York's Marketplace figures leave out its Essential Plan (1,727,055 enrollees as of January 2026, per CMS), so they are not directly comparable to Florida's. **Shares calculated from CMS counts.

Open Enrollment Dates and Key Deadlines

2027 deadline note: A 2025 CMS rule would have ended open enrollment on December 15. According to healthinsurance.org, a federal judge vacated that shortened window in June 2026 and the decision was appealed in July 2026 (City of Columbus v. Kennedy) (healthinsurance.org, 2026). Enrolling by December 15, 2026 guarantees a January 1, 2027 start date either way.

Methodology and Data Notes

Plan selections, effectuated enrollment, and survey-based uninsured rates measure different things, so they should not be compared directly. The ACS reports coverage at the time of the interview. The CPS ASEC counts people as uninsured only if they lacked coverage all year. Sources disagree on Florida's 2024 child uninsured rate: Florida Health CHARTS reports 7.5% for ages 0–18, while the Florida Policy Institute's reading of the Census brief gives 8.5% for under-19. Both are shown. Percentages marked with an asterisk were calculated by us from the cited counts. We left out any figure we could not trace to a retrieved source.

Frequently Asked Questions

What is Florida's uninsured rate?

Florida's uninsured rate was 10.9% in 2024, up from 10.7% in 2023. The U.S. rate was 8.2% (Census ACS, 2024).

How many Floridians are enrolled in ACA Marketplace plans?

4,538,772 Floridians selected a plan during 2026 open enrollment, the most of any state. Paid (effectuated) enrollment was 3,849,587 in February 2026 (CMS, 2026; CMS, 2026).

How much does a benchmark ACA plan cost in Florida?

The average 2026 benchmark silver premium for a 40-year-old in Florida is $683 per month before subsidies (Becker's/KFF, 2026). More than 95% of Florida enrollees receive premium tax credits (healthinsurance.org, 2026).

Has Florida expanded Medicaid?

No. Florida is one of 10 non-expansion states. Parents qualify only up to about 27% of the poverty level, and most adults without children are not eligible (KFF; healthinsurance.org).

How many Floridians have Medicare Advantage?

3,046,820 of Florida's 5,334,437 Medicare beneficiaries (57.1%) were in Medicare Advantage or other health plans in June 2026 (CMS, 2026).

When is open enrollment for 2027 Florida health plans?

Marketplace open enrollment begins November 1, 2026. Enroll by December 15 for coverage starting January 1, 2027 (HealthCare.gov). Medicare open enrollment runs October 15 to December 7 (Medicare.gov).

Sources

• CMS – 2026 Marketplace Open Enrollment Period Public Use Files
• CMS – Marketplace 2026 Open Enrollment Period Report: National Snapshot
• CMS – Marketplace 2025 Open Enrollment Period Report: National Snapshot
• CMS – Health Insurance Exchanges Monthly Effectuated Enrollment
• CMS – Medicare Monthly Enrollment
• CMS – National Health Expenditure Fact Sheet
• Medicaid.gov – State Medicaid and CHIP Applications, Eligibility Determinations, and Enrollment Data
• Medicaid.gov – Medicaid & CHIP Enrollment Report Highlights
• U.S. Census Bureau – Health Insurance Coverage by State: 2023 and 2024 (ACSBR-024)
• U.S. Census Bureau – Uninsured Rate Increased in 18 States and D.C.
• U.S. Census Bureau – Health Insurance Coverage in the United States: 2025 (P60-291)
• KFF – How Has ACA Marketplace Enrollment Changed Across States in 2026?
• KFF – Key Facts about the Uninsured Population
• KFF – How Will the 2025 Reconciliation Law Affect the Uninsured Rate in Each State?
• KFF – The Coverage Gap
• KFF – Medicaid Enrollment and Unwinding Tracker
• Peterson-KFF Health System Tracker – Trends in Employer-Based Coverage
• Urban Institute – 4.8 Million People Will Lose Coverage in 2026 If Enhanced Premium Tax Credits Expire
• Commonwealth Fund – Florida Health System Data Center
• BLS – Employee Benefits in the United States, March 2025
• AHRQ – MEPS Insurance Component
• CBPP – Analyzing the Census Bureau's 2024 Data
• Florida Policy Institute – Challenges Ahead: What Census Data Reveals
• Georgetown CCF – Uninsured Rate for Young Children, 2022–2024
• Florida Health CHARTS – Population Uninsured (Ages 0–64)
• Florida Health CHARTS – Children Without Health Insurance (Ages 0–18)
• Florida AHCA – Medicaid Monthly Enrollment Report
• Florida Office of Insurance Regulation – ACA / IRFS Rate Filings
• ACASignups – 2026 Florida Rate Changes
• healthinsurance.org – Florida ACA Marketplace
• healthinsurance.org – Florida Medicaid
• Becker's Payer – States Ranked by 2026 ACA Benchmark Premiums
• Becker's Payer – States Ranked by Employer-Sponsored Coverage
• Becker's Payer – Hospital Expenses per Day by State
• Florida Hospital Association – Economic Impact
• MedicareInsights – Florida Medicare Advantage Market
• The Conversation – Why Are 4.7 Million Floridians Insured Through ACA Plans?
• SHADAC – State Health Compare
• HealthCare.gov – Dates and Deadlines
• Medicare.gov – Open Enrollment
• Florida KidCare