How to Get ACA Health Insurance in Florida | Step-by-Step Guide
- Aura Insure
- Jul 21
- 2 min read
How to Get Affordable Health Insurance in Florida
If you're looking for health insurance in Florida, you're not alone. Whether you just lost Medicaid, changed jobs, or need a new plan for your family, the Affordable Care Act (ACA) Marketplace offers options — and many Floridians qualify for $0/month coverage. This guide explains how to find and enroll in the right plan for your situation.
1. Who Qualifies for Marketplace Health Insurance in Florida?
You can apply for an ACA plan in Florida if:
You're a U.S. citizen or legal resident
You live in Florida
You don’t have affordable employer-sponsored coverage
Your household income meets eligibility requirements
Florida Income Guidelines (2025):
A single adult earning $15,000 to $58,000 may qualify. A family of four earning under $120,000 may be eligible for low-cost premiums and subsidies.
2. How to Apply for ACA Health Insurance in Florida
The enrollment process is simple:
Gather income and household size info
Enter your zip code and coverage start date
Compare Bronze, Silver, and Gold plans
See if you qualify for subsidies
Enroll online at Aura Insure
Need help? Aura Insure is a licensed Florida web broker and can help you apply 100% online.
3. Special Enrollment Period: Losing Medicaid or Employer Insurance in Florida
You may qualify for a Special Enrollment Period (SEP) if:
You lost Medicaid coverage
You lost your job or health benefits
You had a baby or got married
You moved to Florida
You have 60 days after the qualifying event to enroll in a new plan. Don’t wait — many plans start the 1st of the next month.
4. What Health Plans Are Available in Florida?
Top ACA carriers in Florida include:
Ambetter from Sunshine Health
Florida Blue (Blue Cross Blue Shield of Florida)
Molina Healthcare
Oscar Health
Cigna
All plans offer essential health benefits like preventive care, hospital visits, prescriptions, and more.
5. How Much Does Health Insurance Cost in Florida?
Your premium depends on:
Zip code
Household size
Annual income
Most Floridians qualify for monthly premiums as low as $0 thanks to ACA subsidies. Preventive care is often free.
6. Get Help From a Florida Health Insurance Expert
Applying for health insurance doesn’t have to be confusing. Aura Insure offers online enrollment and expert support tailored to Florida residents. Whether you’re in Miami, Tampa, Orlando, Jacksonville, or anywhere else in the state — we can help.
Ready to Enroll?
Compare Florida Marketplace plans and check if you qualify for $0 coverage.
Comments