Marketplace enrolment, Medicare, premiums and coverage rules — what changed, what it means for Florida, and the published data behind every figure.
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Plan selections dipped for the first time since 2018, ending a run that had taken Florida from under a million sign-ups to more than 4.7 million. The state still enrols more people through the Marketplace than anywhere else in the country.
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The cap that took effect in 2025 is indexed for inflation, lifting the annual ceiling on what a Part D enrollee pays for covered drugs from $2,000 to $2,100.
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Medicare Advantage has gone from a fifth of the eligible Medicare population nationally in 2007 to more than half in 2026. Florida sits ahead of that curve, and the spread between its counties is wide.
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Federal survey data puts the average single-coverage deductible in Florida job-based plans at $2,121 against a national $2,169, with family coverage almost level at $3,973.
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Open Enrollment runs 1 November to 15 January, but the date inside that window matters more than the closing date: enrol by 15 December for a 1 January start, or wait until 1 February.
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Coverage data for 2024 puts 40.7% of Florida residents on employer plans and 12.5% on individual coverage, with an uninsured rate of 10.9% against a national 8.2%.
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