Health insurance in Florida, county by county

Why your county matters

Marketplace insurance companies choose which counties they sell in, so the plans in Miami-Dade aren't the plans in Duval. In 2026, 13 companies sold Marketplace plans somewhere in Florida. Florida Blue sold in all 67 counties and Ambetter Health in 63. Most others sold in far fewer. Broward and Orange each had 10 companies in 2026. Duval and Lee had 5.

More companies usually means more networks and price points to pick from. Many Florida plans are HMOs, which only pay for doctors and hospitals in their own network, so check that your doctors are in before you choose. ACA prices also depend on where you live, along with your age, tobacco use and household. Your tax credit is based on the benchmark Silver plan where you live, so it can differ by county too. The 2027 company lists can change, and your quote always shows the current plans.

Fixed indemnity is priced the same statewide

UnitedHealthcare Health ProtectorGuard (HPG) doesn't vary that way. In our quotes, the same person got the same price in all 12 Florida counties we checked. Age, sex and tobacco set the price. See how it pays on the fixed indemnity page, and why it isn't full coverage in our ACA vs fixed indemnity comparison.

How to find your county

Enter your ZIP code on the quote form. Most ZIP codes sit inside one county. When a ZIP crosses a county line, the form asks which county you live in, because that decides which Marketplace plans you can buy. Use the county where you live, not where you work.

Each county page lists its ZIP codes, the companies that sold plans there in 2026 and prices at age 40. The quote form covers all of Florida, not only these counties.

Florida counties

• Miami-Dade CountyMiami, Hialeah, Miami Gardens9 ACA companies (2026)
• Broward CountyFort Lauderdale, Hollywood, Pembroke Pines10 ACA companies (2026)
• Palm Beach CountyWest Palm Beach, Boca Raton, Boynton Beach9 ACA companies (2026)
• Orange CountyOrlando, Winter Park, Apopka10 ACA companies (2026)
• Hillsborough CountyTampa, Brandon, Riverview7 ACA companies (2026)
• Duval CountyJacksonville, Jacksonville Beach, Atlantic Beach5 ACA companies (2026)
• Pinellas CountySt. Petersburg, Clearwater, Largo6 ACA companies (2026)
• Lee CountyFort Myers, Cape Coral, Lehigh Acres5 ACA companies (2026)
• Polk CountyLakeland, Winter Haven, Bartow6 ACA companies (2026)
• Brevard CountyMelbourne, Palm Bay, Titusville7 ACA companies (2026)
• Volusia CountyDaytona Beach, Deltona, DeLand7 ACA companies (2026)
• Osceola CountyKissimmee, St. Cloud, Celebration9 ACA companies (2026)