Marketplace Health Insurance for 2027 in Florida
Marketplace health insurance is a health plan for you or your family that you buy on the Health Insurance Marketplace®. In Florida, you enroll through HealthCare.gov or with a registered agent like Univista. Open enrollment for 2027 runs from November 1, 2026, to January 15, 2027.
A licensed Univista agent compares the plans in your county, checks if you qualify for a premium tax credit, and enrolls you. We help you in English or Spanish at no extra cost. Your plan costs the same as it would if you enrolled on your own.
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Partnered Marketplace health insurance providers in Miami: United Healthcare, Wellpoint, AvMed, Ambetter, and Oscar.
What is Marketplace health insurance?
The Affordable Care Act (ACA) created the Health Insurance Marketplace®. There, you compare the plans in your county and see if you qualify for a premium tax credit.
Every plan covers the 10 essential health benefits, like doctor visits, emergency care, hospital stays, and prescription drugs. No insurer can turn you down or charge you more for a pre-existing condition.
2027 enrollment dates
November 1, 2026, to January 15, 2027. Enroll by December 15 and your plan starts January 1.
Do you qualify for help?
It depends on your household income, household size, and immigration status.
What does your plan cover?
The 10 essential health benefits and how Bronze, Silver, Gold, and Platinum plans compare.
Phone number for health insurance
Call (305) 964-8803 to talk to a licensed Univista agent in English or Spanish. We review your documents, compare plans with you, and enroll you step by step.
Univista is a private insurance agency, not HealthCare.gov or a government agency, and our help costs you nothing extra. Health Insurance Marketplace® is a registered trademark of the U.S. Department of Health and Human Services.
Highly recommended! They helped me get my 2026 Obamacare plan quickly and explained everything in detail. Great customer service and professionalism.
Steven Serra
Amazing service! The agent was patient, knowledgeable, and guided me through the entire enrollment process. Everything was easy and stress-free.
Rosario Salomon
I’m very happy with my Obamacare plan through Univista. They found me great coverage at an affordable price, and the whole process was done in English and Spanish.
Cesar Espinosa
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What does every Marketplace health plan cover?
- Preventive care: Checkups and many vaccines have no copay when you use in-network doctors.
- Chronic condition care: Your plan covers ongoing care to manage a chronic condition, and no insurer can charge you more for it.
- Maternity and newborn care: Your plan covers pregnancy, childbirth, and care for your newborn.
- Mental health and substance use treatment: Your plan covers mental health services and treatment for substance use.
Who qualifies for Marketplace health insurance in 2027?
You can buy a Marketplace health plan if you live in Florida, you’re a U.S. citizen or lawfully present, and you’re not incarcerated.
You may also get a premium tax credit that lowers your monthly payment. It depends on your household income and size, and you can’t have other affordable coverage, like a job-based plan, Medicaid, or Medicare. For 2027, your household needs to earn 100% to 400% of the federal poverty level: $15,960.00 to $63,840.00 a year for one person, or $33,000.00 to $132,000.00 for a family of four.
Starting January 1, 2027, you need to be a U.S. citizen, a green card holder, a Cuban or Haitian entrant, or a COFA migrant (Micronesia, Marshall Islands, or Palau) to get the credit. If you’re lawfully present in another status, you can still buy a plan without it.
See the full list of requirements to qualify, or call us and we’ll review your household with you.
To qualify, you need to:
- Be a U.S. citizen or lawfully present, and live in Florida.
- Have a household income between 100% and 400% of the federal poverty level to get a tax credit.
- Not be incarcerated.
Health Insurance Marketplace open enrollment for 2027
Open enrollment for 2027 runs from November 1, 2026, to January 15, 2027. During those dates, you can enroll in a Marketplace health plan, renew your plan, or switch to a new one.
In Florida, you enroll through HealthCare.gov or with a registered agent like Univista.
For the full details, see our guide to the enrollment period.
2027 open enrollment: key dates
Open enrollment for 2027 starts on November 1, 2026, and ends on January 15, 2027.
Enroll by December 15 and your plan starts January 1. Enroll between December 16 and January 15 and your plan starts February 1.
Outside these dates, you can enroll only after a qualifying life event, like losing other coverage, getting married, having or adopting a child, or moving. You usually have 60 days from the event.
How to prepare for open enrollment
Gather your documents: Have your most recent tax return, proof of income, and the details of any health coverage you have now.
Compare plans: See what’s available in your county on HealthCare.gov, or let us compare plans with you.
Check your doctors and medicines: Make sure your doctors are in the plan’s network and your medicines are on its drug list.
Enroll with help: Apply online, by phone, or with a licensed Univista agent in English or Spanish. Our help costs you nothing extra.
Your health insurance office in Miami, Florida
How to choose the best health insurance plan for 2027
The best plan is the one with the lowest total cost for the care you need. Bronze plans have low premiums and high costs when you get care. Gold and Platinum plans have higher premiums and lower costs.
Compare plans with a Univista agent in English or Spanish, or see all our health insurance options.
How do you compare health plans?
Coverage and prescriptions
Every plan covers the 10 essential health benefits. Check that your medicines are on the plan’s drug list.
Total cost
Look past the monthly premium. Your total cost is 12 months of premiums plus what you pay when you get care, like your deductible and copays.
Doctor network
Check that your doctors, clinic, and hospital are in the plan’s network. Out-of-network care may cost you more, or your plan may not cover it.
Frequently asked questions about Marketplace health insurance
When is open enrollment for 2027 health insurance?
November 1, 2026, to January 15, 2027. Enroll by December 15 and your plan starts January 1. Enroll between December 16 and January 15 and it starts February 1.
What is the Health Insurance Marketplace?
It’s where you buy a health plan under the Affordable Care Act (ACA). In Florida, it runs through HealthCare.gov, and a registered agent like Univista can enroll you.
Are ACA subsidies still available in 2027?
Yes. You can get the premium tax credit if your household earns 100% to 400% of the federal poverty level. For one person, that’s $15,960.00 to $63,840.00 a year. The extra help from 2021 to 2025 ended on December 31, 2025.
Can I get help paying premiums as an immigrant in 2027?
Starting January 1, 2027, you need to be a U.S. citizen, a green card holder, a Cuban or Haitian entrant, or a COFA migrant to get the tax credit. If you’re lawfully present in another status, you can still buy a Marketplace plan, without the credit.
Do I pay more if I enroll through an agent?
No. Your plan costs the same as it would if you enrolled on your own, and you still get the tax credit if you qualify.
Can I keep my doctor?
It depends on the plan’s network. Before you enroll, we check if your doctor, clinic, and hospital are in network.
Does Marketplace insurance cover dental and vision?
For children, dental and vision are essential health benefits, though dental may come as a separate plan. For adults, dental and vision are optional, and you can add a separate plan.
Can I enroll outside open enrollment?
Only after a qualifying life event, like losing other coverage, getting married, having or adopting a child, or moving. You usually have 60 days from the event to enroll.
Do you serve Miami, Hialeah, and Doral?
Yes. Visit our office at 7330 NW 8th St in Miami, or call (305) 964-8803.
What if I live in Orlando, Tampa, or Jacksonville?
We can enroll you by phone from anywhere in Florida. Plans and prices vary by county, so we show you the plans available where you live.
Still have questions about health insurance? Talk to a Univista agent.
We explain your options in plain language, in English or Spanish.
Health plans with no deductible offer a smart, reliable solution for individuals and families seeking full medical coverage without unexpected
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