Open Enrollment 2027 for Jacksonville residents
- Open Enrollment
- November 1, 2026 – January 15, 2027
- Coverage from January 1
- Choose a plan by December 15, 2026
- Financial help
- Generally for household income of 100%–400% of the poverty level. The 400% cutoff is $86,560 for 2 people, $109,280 for 3 and $132,000 for 4
- Above 400%
- No premium tax credit in 2027. You can still buy a plan at full price.
- How we work with you
- By phone and online from our Hialeah office; in person only there, by appointment
Jacksonville at a glance
Duval County, home to Jacksonville, had about 1,063,000 residents in 2025 by the Census Bureau's estimate, 6.8% more than in 2020. The Census Bureau also reports that:
- 12.2% of residents were born outside the United States, and 16.3% speak a language other than English at home (2020–2024);
- the median household income is $71,277 (2020–2024, in 2024 dollars), with 2.41 people per household;
- 11.9% of residents under 65 have no health insurance;
- 80,475 veterans live in the county (2020–2024).
Three questions Jacksonville families ask about 2027
- We're a military or veteran family. Can we get Marketplace savings? It depends on the coverage you have. HealthCare.gov counts people enrolled in TRICARE or VA health care as covered. TRICARE says that if you're enrolled in a TRICARE plan, such as Prime, Select or TRICARE For Life, you don't qualify for help lowering Marketplace premiums. If you could buy TRICARE Reserve Select, Retired Reserve or Young Adult but choose not to, you may qualify, so compare both. Veterans who aren't enrolled in VA health care can use the Marketplace and, depending on income, may pay lower premiums.
- Are we above the 400% line? Duval's median household income, $71,277, is above the 2027 limit for one person ($63,840) but below the limit for two ($86,560). So a single adult earning that amount would pay full price, while a couple earning the same could qualify if they meet the other rules. Your household usually means you, your spouse and your tax dependents. Estimate carefully: there's no cap on paying back extra credit. Try the 2027 calculator.
- Does our immigration status matter? From January 1, 2027, tax credits will be limited to U.S. citizens and nationals, green card holders, Cuban and Haitian entrants and COFA migrants. Cuban or Haitian nationals who were paroled in or have an asylum case pending generally count as entrants if they have no final removal order. Other parole generally doesn't count, so those families can still buy a plan, usually at full price. See who qualifies.
Health care and help close to home
We're not affiliated with these services.
- UF Health Jacksonville (655 W. Eighth St.) has an emergency room staffed 24 hours a day, with a separate Pediatric Emergency Center, and its TraumaOne program is the only adult and pediatric Level I trauma program in Northeast Florida and Southeast Georgia. If you're uninsured, ask about UF Health's financial assistance policy. Before choosing a plan, check that the hospitals you'd use are in its network: HMO and EPO plans only cover in-network care, except emergencies.
- Library computers and Wi-Fi. At the Jacksonville Public Library, including the Main Library downtown (303 N. Laura St.), you can reserve a computer with your library card and connect to the library's Wi-Fi.
- Help for veterans. The City of Jacksonville's Military Affairs and Veterans Department (City Hall, 117 W. Duval St., Suite 175; 904-255-5550) guides veterans on VA claims and VA health care enrollment.
- Application help. HealthCare.gov's Find Local Help tool lists community groups that help with Marketplace applications.
Four ways to get started
- Call (786) 808-1802 and talk to us in Spanish or English.
- Book a call for the whole family at a time that suits you.
- Request a quote online in about two minutes; a licensed agent gets back to you.
- Enroll online yourself through our HealthSherpa link (a private enrollment website that works with HealthCare.gov).
We ask for your documented consent before helping with a Marketplace application, as federal rules require, and you review it before it's submitted. We also help Jacksonville families with auto, homeowners, condo and renters and life insurance.
Questions from Jacksonville families
Do you have an office in Jacksonville?
No. Our office is in Hialeah, at 460 E 23rd St #209. We help Jacksonville and Duval County families by phone and online, and in person only at the Hialeah office, by appointment. We don't take walk-ins.
Can you help us entirely in Spanish?
Yes. We help in Spanish or English, from the first call through your first payment, any document requests from the Marketplace and next year's renewal.
How do we approve you as our agent?
You'll get a one-time code or link by text, email or automated call. It expires 15 minutes after it's sent; if it does, we can send another, up to three in 24 hours. Never share your HealthCare.gov password with anyone, including us.
Can we enroll online on our own?
Yes. Use the Enroll online yourself button, or apply directly at HealthCare.gov or by calling 1-800-318-2596. If you get stuck, call us: insurers pay us, so your premium is the same.
My spouse has VA health care. Can the rest of us use the Marketplace?
Often, yes. HealthCare.gov says a veteran's family members who aren't eligible for VA health programs, such as CHAMPVA, can get Marketplace coverage and, depending on household size and income, may pay lower premiums or qualify for Medicaid or CHIP. We can check your household with you.
Sources
- U.S. Census Bureau QuickFacts: Duval County, Florida
- HealthCare.gov: coverage options for military veterans
- TRICARE: TRICARE and the Affordable Care Act
- UF Health Jacksonville: emergency medicine and financial assistance policy
- Jacksonville Public Library: public access computers and Wi-Fi
- City of Jacksonville: Military Affairs and Veterans Department
- HealthCare.gov: find local help
- HealthCare.gov: dates and deadlines for 2027 coverage
- HealthCare.gov: immigration status and the Marketplace
- Federal Register: 2026 HHS poverty guidelines
This page is general information, not tax, legal or immigration advice. For questions about your immigration case, talk to an immigration attorney or a DOJ-accredited representative. Rules can change; we confirm current details with you before you enroll.
Arte Insurance Corp is a licensed private Florida agency, not a government agency.