Floridians who buy their own health coverage will see full-price premiums climb again in 2027, by about 10.4% on average, according to rate tables the Florida Office of Insurance Regulation posted this month.
The increase lands on top of the roughly 34% average jump that marketplace plans took for 2026, Central Florida Public Media reported Tuesday, citing the same state office. Open enrollment on HealthCare.gov, the federal marketplace Florida uses, starts Sunday, Nov. 1.
What the state approved
The regulator's table, dated Oct. 16, lists approved average changes for 14 insurers selling individual plans under the Affordable Care Act. Across all of them, weighted by how many people each covered in 2026, the average monthly premium per person goes from $811 to $898.
The approved changes vary widely by company:
- UnitedHealthcare of Florida: 25%, the largest on the list, taking its average from $825 to $1,031 a month
- Blue Cross and Blue Shield of Florida: 18.8%, from $1,099 to $1,306
- AmeriHealth Caritas Florida: 18.8%
- Health First Commercial Plans: 18%
- Simply Healthcare Plans: 17.4%
- Oscar Health Maintenance Organization of Florida: 10.3%
- Centene Venture Company Florida: 5.9%, the smallest among plans sold on the exchange
The figures leave out premium subsidies, so many enrollees will pay less than the listed prices. The state also notes that the percentages reflect averages across each company's 2026 members rather than what any single policyholder will see, and that federal health officials had not yet signed off, so the numbers could still change.
Why advocates say costs keep rising
At a meeting Monday held by Florida Voices for Health, an advocacy group, executive director Scott Darius said the 2027 increases still flow from the lapse of the expanded federal tax credits that had lowered marketplace premiums, which Congress did not renew. He asked state and federal lawmakers to take up cost and coverage changes after the Nov. 3 election.
