If you live in Florida and don't have health insurance, this guide is for you. In 2026 there are affordable options for individuals and families — many qualify for government subsidies that can significantly reduce the monthly cost.
What is ACA (Obamacare) health insurance?
The ACA (Affordable Care Act), popularly known as Obamacare, is a federal government program that allows U.S. residents to get health insurance with financial help based on their income.
In Florida, thousands of people benefit from this program every year. The best part is that you can compare the available plans and choose the one that best fits your situation, with the help of an advisor at no cost to you.
💡 Did you know? Many people in Florida qualify for government subsidies that significantly reduce their monthly premium. The amount depends on your income, your family size and other factors. An advisor can calculate your eligibility at no cost.
Who can apply in Florida?
To qualify for ACA health insurance in 2026, you need to meet these requirements:
- Live in the United States legally
- Have a valid Social Security number
- Not have access to Medicare or health insurance through your job
- Have income within the established range
- Be a Florida resident
How much does insurance cost in Florida?
The cost depends on your household income, your family size and the plan you choose. The federal government offers subsidies (tax credits) that can significantly reduce your monthly premium. The exact amounts vary depending on your specific situation.
💡 The only way to know exactly how much you would pay is to review your case with a licensed advisor or enter your information at Healthcare.gov. The review with our advisors is at no cost to you.
What does ACA health insurance cover?
All ACA plans in Florida must cover the 10 essential benefits required by law:
- Doctor and specialist visits
- Emergencies and hospitalization
- Maternity and newborn care
- Mental health and addiction treatment
- Prescription drugs
- Laboratory and diagnostic services
- Preventive services at no additional cost
- Rehabilitation and physical therapy
- Pediatric services
- Medical devices
When can I apply?
The Open Enrollment Period runs from November 1 to January 15 each year. If you missed it, you can still apply outside that period if you had a Special Enrollment Event such as:
- You lost your job or your health insurance
- You got married or had a baby
- You moved to Florida
- You had a significant change in your income
Ready to find your ideal plan?
We help you for free — we compare all the plans available for your family in Florida and explain everything to you in English.
Why choose HG Insurance Group?
We are an independent bilingual agency licensed in Florida. We work with all insurance carriers available on the market — we are not tied to a single company, which means we always look for the best option for you.
- ✅ Advice at no cost to you and with no obligation
- ✅ We speak English and Spanish
- ✅ Licensed in Florida, Texas and Puerto Rico
- ✅ We compare all available plans
- ✅ We help you all year long, not just during enrollment
How to get started?
It's very simple. Contact us by phone, WhatsApp, or fill out the form on our page. One of our advisors will call you to do a free consultation, compare plans and help you enroll — all at no cost to you.
📞 (352) 890-3703 · 💬 WhatsApp
📋 Important notice: HG Insurance Group LLC is an independent insurance agency. We do not represent all companies or all plans available in your area. To see all the Health Insurance Marketplace options available in your area, visit Healthcare.gov. Plan availability, prices and eligibility vary depending on your specific situation.