Private health insurance in Florida, if you are self-employed.
Private health insurance in Florida is for self-employed people and anyone else without a job plan.
Marketplace plans in Florida go through HealthCare.gov when the state uses that platform. CMS listed Florida on HealthCare.gov for 2026 coverage.
Private major medical and short-term plans sit outside that Marketplace, and the carrier can decline them.
What can you compare in Florida?
- ACA Marketplace. Marketplace plans in Florida are sold on HealthCare.gov when the state uses that platform. CMS listed Florida on HealthCare.gov for the 2026 coverage year. HealthCare.gov lists November 1, 2026 through January 15, 2027 for 2027 coverage, and December 15, 2026 is the last day for a January 1 start. Confirm that Florida still uses HealthCare.gov and that calendar before you enroll. The dates are on the HealthCare.gov dates page. The open enrollment guide walks through the same calendar for self-employed people.
- Private major medical. These plans ask health questions. The carrier can accept you, offer a higher rate, or decline you. LifeX private major medical is one option. LifeX plans use the PHCS network. UnitedHealthOne is a separate private option. A healthy person may pay less than on the Marketplace. That is not a promise. The private PPO guide explains how this kind of coverage works.
- Short-term medical. Short-term medical is a bridge with an end date. It is not an ACA Marketplace plan. This page does not state how long a short-term plan can last in Florida, because length varies by state and by plan. See the short-term guide and National General plans. Fixed indemnity pays a set cash benefit. It is not major medical, and it is not health insurance. The fixed indemnity guide explains that difference.
- Group coverage for a small business. A group health quote, including a large group, comes from contacting Seth directly. Book a call or use the contact form. There is no online quote link for group coverage. The small-group guide explains owner-only businesses and participation rules.
Being self-employed does not by itself open a special enrollment period. The guide on health insurance outside open enrollment explains what can.
Pages for Georgia, Texas, and North Carolina cover the same kinds of options.
Common questions
Where do Marketplace plans in Florida come from?
CMS listed Florida on HealthCare.gov for 2026 coverage. Confirm that Florida still uses HealthCare.gov, and confirm the dates, before you enroll for a later year.
Can a self-employed person in Florida buy private health insurance?
Private health insurance in Florida is available to many self-employed people and to other people without a job plan. A private major medical plan asks health questions. The carrier can accept you, offer a higher rate, or decline you.
Does becoming self-employed open a special enrollment period in Florida?
Becoming self-employed by itself does not create a special enrollment period. Losing job-based coverage can. Some private plans can be applied for in any month, and the carrier still decides.
How long can a short-term plan last in Florida?
This page does not state a duration. Short-term length varies by state and by plan. A short-term plan is not an ACA Marketplace plan.
How do I get a small-business group quote in Florida?
A group health quote, including a large group, comes from contacting Seth directly. Book a call or use the contact form. There is no online quote link for group coverage.
Is this page a quote?
No. This page is general information. It is not a quote and not an approval. Plan documents control the details.
The platform fact comes from the CMS Marketplace 2026 Open Enrollment Period National Snapshot. CMS listed Florida on HealthCare.gov for 2026 coverage. The dates are the HealthCare.gov federal calendar. Confirm that Florida still uses that platform and calendar before you enroll. This page is general information, not a quote and not an approval. Insurance products are offered through Seth Brand Insurance LLC.