Florida 2026 Health Insurance Premiums: What to Do Before Prices Jump

Florida • Premium Watch

Florida 2026 Health Insurance Premiums: What to Do Before Prices Jump

Fast take: Florida insurers are signaling notable rate increases for 2026. Rising medical costs, expensive prescriptions, and potential loss of federal subsidies mean many households could face higher bills. Here’s how to prepare now.

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Why are rates climbing?

• Medical inflation: Hospitals and providers are charging more each year.
• Prescription costs: High-cost drugs like GLP-1s are putting pressure on premiums.
• Policy shifts: Enhanced ACA subsidies could expire after 2025, raising net costs for many Floridians.

Smart moves for Florida households

1) Audit your plan type

Does your plan still fit? If you travel or want wider access, a PPO may reduce out-of-network surprises and give better provider choice.

2) Plan enrollment timing

Open Enrollment later this year locks in your 2026 premiums. We’ll run side-by-side comparisons of ACA marketplace plans and private options so you don’t overpay.

3) Explore private PPOs

For healthy applicants, private, medically underwritten PPOs may deliver lower premiums, broad provider networks, and more predictable costs. RKA will pre-screen and verify eligibility quickly.

4) Prescription strategy

Check formulary tiers, ask about generics, and use discount programs or assistance where available to lower Rx spending.

How RKA supports Floridians

• Custom plan matching: We compare major carriers and PPO alternatives.
• Cost projection: Annual cost estimates include both premiums and expected usage.
• Fast enrollment: We help you secure coverage quickly without gaps.

Not sure which option fits your family?

We’ll compare ACA vs PPOs, check doctors, and give you clear side-by-sides so you feel confident about 2026.

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Quick FAQs

When will Florida’s 2026 rates affect me?

They apply starting January 1, 2026. You’ll choose coverage during Open Enrollment late 2025.

Are private PPOs available in Florida?

Yes—if eligible, private PPOs may offer broad networks and lower premiums than unsubsidized ACA plans.

Can RKA confirm my doctors are covered?

Absolutely. Provide your provider list, and we’ll confirm network access before you switch plans.

For education only; benefits and eligibility vary by carrier and state. Always review official plan documents.