Health insurance help for Florida residents
Compare Medicare, health insurance marketplace plans and Medicaid in Florida, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
What is different about coverage in Florida
Florida Medicaid is run by the Agency for Health Care Administration, and Florida uses the federal HealthCare.gov Marketplace rather than a state-run exchange. Florida Medical Insurance is free to use for Florida callers working through Medicare, ACA, life, or supplemental coverage questions.
- Florida Medicaid is administered by the Agency for Health Care Administration (AHCA), not a separate state marketplace -- if your Medicaid eligibility changed, AHCA and the federal Marketplace are the two places that matter.
- Florida does not run its own ACA exchange, so Florida marketplace shopping and subsidy questions go through the federal HealthCare.gov Marketplace.
- Free, unbiased Medicare counseling is available in Florida through SHINE (Serving Health Insurance Needs of Elders) at 1-800-963-5337, separate from Florida Medical Insurance's own free phone help.
Worth knowing: Florida's insurance oversight is split between two state agencies: the Office of Insurance Regulation reviews rates and company solvency, while the Department of Financial Services' Division of Consumer Services handles individual consumer complaints and questions.
Coverage questions we help Florida residents with
Health plans (ACA marketplace)
How Florida’s marketplace works, who qualifies for help with costs, and when you can enroll.
Medicare
Turning 65, Medicare Advantage, Medigap and drug plans, with Florida’s free counseling program.
Medicaid
Where to apply in Florida, and what to do when your coverage changes.
Florida by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in Florida you live. Start with your county.
Major Florida cities
Florida colleges and universities
- University of Florida
- Florida State University
- University of South Florida
- University of Central Florida
- Florida International University
- Florida A&M University
State bird: Northern Mockingbird
Mimus polyglottos. Florida’s official state bird, shown here as a local touch.
Photo: Ligocsicnarf89 (CC BY 4.0), via Wikimedia CommonsCommon Florida questions
Where do I shop for ACA health plans in Florida?
Florida residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/florida/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Florida?
Medicaid in Florida is run through Agency for Health Care Administration (AHCA) (https://ahca.myflorida.com). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Florida?
Florida Department of Financial Services, Division of Consumer Services (https://www.myfloridacfo.com/division/consumers) regulates insurance companies and agents in Florida. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Florida?
Yes. Florida SHINE (Serving Health Insurance Needs of Elders) (1-800-963-5337) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Florida Medical Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about Florida coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.