Tourism gives Orlando one of the largest hospitality workforces on the planet, and hospitality scheduling is famously unkind to benefits eligibility: hours rise and fall with the season, and coverage rises and falls with the hours. Add a huge university, a growing medical district at Lake Nona, and a thick layer of gig work, and you get a city that never stops shopping for health insurance.
The rules here
What's available in Orlando
Short term and fixed indemnity plans are not ACA compliant and do not count as minimum essential coverage. They are medically underwritten and typically exclude preexisting conditions.
What one person pays for coverage in Florida
Average monthly premiums for individual coverage. Family pricing differs; quotes are individual.
Orlando's self-employed ranks run from theme park performers on contract to real estate agents to app drivers, and the individual marketplace benchmark above is where all of them start. Subsidy eligibility follows household income and size for the year; no estimate is a guarantee, and a licensed agent can produce your actual figure.
Averages from federal data and our own client base, not quotes. Your price depends on your age, household, income, and plan choice.
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Orlando at a glance
Orlando anchors Central Florida with an economy built on theme park tourism, conventions, and a fast-diversifying base in health care, simulation, and technology, with the Lake Nona Medical City district adding hospitals and research facilities on the southeast side. The metro draws relentless in-migration, and each arriving household is a new coverage decision.
Three Orlando situations
Jasmine, 32, banquet server on the convention circuit. Her hours cross the benefits threshold some quarters and miss it others. Each loss of employer coverage is a qualifying event, and at her income the marketplace subsidy usually makes a silver plan the steadiest home base rather than bouncing between products all year.
Colin, 41, contract simulation engineer between defense projects. His contracts run 6 to 18 months with benefits attached, then gaps. Florida's ordinary short term plans fit his gaps precisely: underwritten, cheap for a healthy applicant, and disposable when the next contract's group plan starts.
Berta, 59, sells real estate in a hot in-migration market. Fully commissioned, no group plan, income lumpy. Her knee replacement history steers her away from underwritten products, since short term plans typically exclude preexisting conditions. A marketplace plan covers the knee, and in slower years her subsidy grows with the downturn.
How Florida's rules work
Florida statute 627.6426 allows short term plans an initial term under 12 months and a total duration of up to 36 months including renewals, among the longest runways in the country. State law controls the product here. The 2024 federal rule restricting these plans is currently not being enforced per the August 7, 2025 tri-agency statement, and Florida's statute stands on its own regardless of what happens federally.
Orlando households near the income floor face Florida's other signature rule: no Medicaid expansion. Adults below the federal poverty level without dependent children can land in the coverage gap, ineligible for both Medicaid and subsidies. Hospitality income that swings by season makes the annual projection on a marketplace application genuinely consequential, and updating it midyear keeps the subsidy honest in both directions. Florida enrolls through HealthCare.gov, November 1 to January 15.
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Premium data methodology. 1 Marketplace premium averages reflect the average monthly premium before advance premium tax credits, the average monthly premium after advance premium tax credits among subsidized enrollees, and the percentage of enrollees receiving advance premium tax credits, for Florida, as reported in the Centers for Medicare & Medicaid Services (CMS) Marketplace Open Enrollment Period Public Use Files, 2026 plan year, available at cms.gov. Figures are statewide averages across all metal tiers, ages, and household sizes; your premium will differ based on your age, household, income, county, and plan selection.
2 Employer coverage averages reflect the average total monthly premium for single and family coverage at private sector establishments in Florida, including both employer and employee contributions, as reported in the Medical Expenditure Panel Survey Insurance Component (MEPS-IC), Agency for Healthcare Research and Quality, 2024 tables, available at meps.ahrq.gov. Employee contribution figure reflects the average employee share of the single coverage premium. Employer plan costs vary by employer, plan design, and firm size.
3 Client averages are calculated from GetHealthPlans.com® (MTG Insurance Agency LLC) internal book of business records as of July 15, 2026 and reflect the median or mean monthly premium, as labeled, among active policies providing individual coverage (one covered person) of the stated product type held by our clients residing in the stated state or, where labeled agencywide, across all states in which we operate. Family and multi-person policies are excluded so that figures reflect what one person pays. Figures are shown only for states and products where our records include a sufficient number of active individual policies to report a meaningful average, with a minimum of ten; combinations below that threshold are not shown. Where a figure is labeled "median," half of our client policies in that group pay less and half pay more. Our client base reflects the products we sell, skews toward medically underwritten coverage, and may not represent all buyers or all plans available in a state. These figures are historical averages of premiums actually paid by our clients, are not quotes, offers, or projections, and are not statements of what any individual will pay. Individual premiums are determined by the insurer at application based on age, location, term length, benefit selections, and underwriting outcomes.
4 No federal or state agency publishes average premium data for short term limited duration insurance or fixed indemnity insurance. Where we do not display a client base figure for these products, it is because we do not have sufficient policy volume in that state to report a meaningful average. Short term and fixed indemnity products are medically underwritten, are not major medical coverage, are not required to cover preexisting conditions or essential health benefits, and do not constitute minimum essential coverage under the Affordable Care Act.
5 Medicaid and CHIP are public programs, not insurance products sold by this agency. Premiums are $0 or nominal for those who qualify; eligibility is determined by your state based on income, household size, and other factors. The figure shown describes program design, not an average. Contact your state Medicaid agency or HealthCare.gov to check eligibility.
