Florida 2026 Health Insurance Premiums: What to Do Before Prices Jump
Florida health insurance premiums are projected to rise in 2026. Learn what’s driving the increases, how subsidies and PPO options compare, and the steps you can take now to protect your budget.
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.
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.
Quick FAQs
When will Florida’s 2026 rates affect me?
Are private PPOs available in Florida?
Can RKA confirm my doctors are covered?
For education only; benefits and eligibility vary by carrier and state. Always review official plan documents.
Marketplace vs Private PPO: Costs, Networks, and When Each Wins
Fast guide to non-Marketplace Private PPOs—how they bill, who they fit, and what to verify first. We’ll confirm your doctors, compare options, and show clear costs
You want the truth without the fluff. Here it is: Marketplace (Government) can be cheapest when your income qualifies for savings. Private PPO (licensed-access) usually wins on keeping doctors, network size, and fewer hoops. We run both—then you choose.
Quick definitions
Marketplace (Government): Plans on Healthcare.gov or your state exchange. The monthly cost can drop with income-based savings. Networks tend to be HMO/EPO-heavy in many areas.
Private PPO (licensed-access): Off-exchange, available through licensed agents. Typically, broader PPO networks, out-of-network flexibility, and year-round availability.
👉 No guessing: We verify your doctors and prescriptions on both sides before you enroll.
Cost snapshot (realistic)
Marketplace: Price depends on income and household. Silver plans can unlock additional savings if you qualify.
Private PPO: Price isn’t income-based. You’re paying for network flexibility and smoother access.
Network & doctors (what actually matters)
Marketplace networks can be narrow. Great if your providers are in-network; painful if not.
Private PPOs typically offer national or near-national networks, along with out-of-network benefits .
We check your providers first—not after you enroll.
When Marketplace wins
Your income qualifies for strong savings.
You’re fine with a narrower network and staying in-network.
You want the lowest possible premium and rarely use care.
When Private PPO wins
You want flexibility with doctors and facilities
You want PPO flexibility for frequent travel
You’ve been burned by referrals/authorizations, and now you want fewer hoops.
The simple decision tree
Share your providers, prescriptions, and budget.
We verify both paths (Marketplace vs Private PPO) in your ZIP.
You pick the best fit. We enroll you quickly and compliantly.