Your health insurance went up for 2027. Get a free second look before you auto-renew.
Florida individual health insurance rates rose about 10% on average for 2027, and some plans rose far more. Tell us what you paid this year and what the renewal says. A licensed advisor compares private PPO options across top A-rated carriers for your ZIP code and shows you what it would cost to switch, before the December 15 deadline.
- Free, no obligation. Carriers pay us, not you. If your renewal is still your best deal, we'll say so.
- Marketplace, private and off-exchange plans, including PPOs for people over the subsidy cliff.
- We check your doctors and prescriptions before recommending any change.
- For individuals, families, self-employed and truck drivers. English y Español.
Reviewed by Bradley Vilsaint, licensed health insurance advisor (NPN 22116298). Updated October 27, 2026. Prefer to talk? (954) 825-1009
Got it. Your review is started.
An advisor will reach out today during business hours. To speed things up, email a photo of your 2027 renewal letter to info@vshealthbenefits.com or text it to (954) 825-1009.
While you wait, see what a benchmark plan should cost at your income.
Open the 2027 calculator →How the premium review works
Tell us your numbers
What you paid in 2026, what the 2027 letter says, your ZIP and who is covered. A photo of the letter is a bonus.
We shop it
We price every Marketplace and off-exchange plan for your ZIP, recalculate your tax credit on your real 2027 income, and check your doctors and prescriptions.
You decide by December 15
Keep your plan, switch, or adjust. We enroll you by phone and confirm your January 1 start.
Seven ways people cut a 2027 increase
These are the levers we check against your renewal. Most people only need one or two of them.
1. Update your income
Your credit is based on the income you expect in 2027. An old or overstated figure can cost you hundreds a month. What income counts.
2. Re-shop against the new benchmark
The second-cheapest silver plan sets your credit. When it changes insurers, the cheapest plan for you often changes too.
3. Pair a bronze plan with an HSA
Every bronze plan is HSA-eligible now. Contributions lower your taxes and the income your credit is based on.
4. Check if your plan was replaced
Cigna is leaving Florida's Marketplace and Sunshine State Health Plan products end in 2026. Replacement plans are rarely the best price.
5. Over the subsidy cliff? Go off-exchange
Above 400% of poverty ($63,840 single) there is no credit, so private and off-exchange PPOs compete on equal terms. Private options.
6. Split the household
Kids may qualify for Florida KidCare, and spouses sometimes do better on different plans.
7. Don't trade your doctors for $50
We check networks and drug lists first, so a lower premium doesn't turn into a surprise bill.
Key dates for 2027 coverage
| When | What happens | What to do |
|---|---|---|
| October | Renewal letters with 2027 prices arrive. | Send us the numbers as soon as yours arrives. |
| November 1, 2026 | Open Enrollment opens on HealthCare.gov. | Plans can be compared and changed. |
| December 15, 2026 | Last day to choose a plan that starts January 1. | Have your decision made. |
| January 15, 2027 | Open Enrollment closes. Plans chosen after Dec 15 start February 1. | Last chance without a qualifying event. |
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Premium increase questions
Why did my health insurance go up for 2027?
Insurers raised prices again, about 10.4% on average in Florida and a 15% median request nationally, driven by hospital and drug costs and a sicker risk pool after the enhanced tax credits expired. Your own increase also depends on how much your tax credit changed, your age, your income estimate and whether your plan was discontinued.
Is the premium on my renewal letter final?
No. During Open Enrollment, November 1, 2026 to January 15, 2027, you can switch to any plan in your area and update your income. Choose by December 15 for a January 1 start. If you do nothing, you are auto-renewed at the new price.
What do you need from me for the review?
Your ZIP code, who needs coverage, what you paid each month in 2026 and what the 2027 renewal says. A photo of the renewal letter helps but is not required. An advisor will also ask about your expected 2027 income, your doctors and your prescriptions.
My insurer is leaving. Can you help?
Yes. For 2027 in Florida, Cigna is leaving the Marketplace and Sunshine State Health Plan's Marketplace products end, with members who do not choose a plan moved to Ambetter. We compare replacement plans and check your doctors before you are placed in one automatically.
Does the review cost anything?
No. Insurance carriers pay licensed brokers, and Marketplace prices are the same whether you enroll yourself or with us. If your current plan is still your best option, we will tell you.
Don't auto-renew a price increase.
A review is free and usually takes one phone call.
Start my premium review Call (954) 825-1009Sources: ACASignups, Florida 2027 final approved rates (updated Oct 19, 2026); Peterson-KFF Health System Tracker, 2027 rate filings (Aug 3, 2026); healthinsurance.org, Florida 2027 Marketplace (Sep 17, 2026); CMS 2027 Notice of Benefit and Payment Parameters; 2026 HHS poverty guidelines. Your own rate depends on your plan, age, ZIP code and income.