ObamaCare and health insurance help in Orlando and Kissimmee

Open Enrollment 2027 for Orlando and Kissimmee residents

Orlando and Kissimmee at a glance

Orange County, home to Orlando, and Osceola County, home to Kissimmee, had about 2 million residents in 2025 by the Census Bureau's estimate: 1,528,002 in Orange and 481,718 in Osceola, which counted 388,656 in the 2020 Census. The Census Bureau also reports that:

• 35.4% of Orange residents and 58.2% of Osceola residents are Hispanic or Latino;
• 38.5% in Orange and 54.7% in Osceola speak a language other than English at home, and 24.3% and 26.6% are foreign-born (2020–2024). People born in Puerto Rico aren't in that foreign-born count: the Census Bureau counts them as native-born;
• the median household income is $79,719 in Orange and $72,637 in Osceola (2020–2024, in 2024 dollars), with 2.72 and 2.98 people per household;
• 13.5% of Orange residents and 14.1% of Osceola residents under 65 have no health insurance.

Three questions Orlando and Kissimmee families ask about 2027

• We just moved from Puerto Rico. Can we enroll now? Moving to the U.S. from a U.S. territory such as Puerto Rico can qualify you for a Special Enrollment Period, usually with 60 days from the move to pick a plan. The rule that you must have had qualifying coverage in the 60 days before a move doesn't apply if you lived in a territory for at least 1 of those days. People born in Puerto Rico are U.S. citizens and can get tax credits if they meet the other rules. From 2005 to 2016, Orange received more people moving from Puerto Rico than any other Florida county, with Osceola second, according to University of Florida researchers. How Special Enrollment works.
• Are we above the 400% line? The median household income in both counties ($79,719 in Orange, $72,637 in Osceola) falls between the 2027 cutoffs for one and two people. A single adult earning $75,000 would be above the $63,840 limit and pay full price, while a couple earning the same would be under $86,560 and 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? About one in four Orange and Osceola residents is foreign-born. 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.

• Emergency care around the clock. Orlando Health Orlando Regional Medical Center (ER at 29 W Sturtevant St, downtown Orlando), Central Florida's first Level 1 trauma center, treats infants, children and adults 24 hours a day. In Kissimmee, AdventHealth Kissimmee (2450 N Orange Blossom Trail) has emergency care open 24 hours a day, seven days a week. Before you choose a plan, check that the hospital you prefer is in its network: HMO and EPO plans only cover in-network care, except emergencies.
• Computers and Wi-Fi. The Orlando Public Library (101 E Central Blvd), main library of the Orange County Library System, has computers you can book with a library card, plus Wi-Fi. In Kissimmee, the Hart Memorial Central Library (211 E Dakin Ave) has computers you can use with an Osceola library card or a guest pass from the service desk, and every Osceola branch has Wi-Fi.
• 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 Central Florida families with auto, homeowners, condo and renters and life insurance.

Questions from Orlando and Kissimmee families

Sources

• U.S. Census Bureau QuickFacts: Orange County and Osceola County; native-born and foreign-born population
• University of Florida, BEBR: growth of the Puerto Rican population in Florida (2018)
• HealthCare.gov: special enrollment opportunities and CMS: Special Enrollment Periods (March 2026)
• 8 U.S.C. 1402: persons born in Puerto Rico
• Orlando Health: Orlando Regional Medical Center ER and AdventHealth Kissimmee: location
• Orange County Library System: getting started and Osceola Library System: printing, Wi-Fi and computers
• HealthCare.gov: find local help, dates and deadlines for 2027 and immigration status
• 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.