Florida residents shop for ACA health coverage through HealthCare.gov, the federal marketplace, since the state has not set up its own exchange. Florida consistently ranks among the states with the highest number of marketplace enrollees nationwide, so there tends to be a wide range of plans and insurers to compare.
Florida has not adopted Medicaid expansion under the ACA. That leaves a coverage gap for adults who earn too little to qualify for marketplace subsidies but too much, or don't fit the right category, to qualify for the state's traditional Medicaid program, which is generally limited to children, pregnant women, and people with disabilities.
Because so many Florida residents rely on marketplace subsidies, it's especially important to update income estimates accurately during enrollment, since Florida has a large population of self-employed, seasonal, and gig workers whose income can fluctuate year to year. Comparing plan networks matters too, given how many large hospital systems operate across the state.