How Much Does ObamaCare Cost in Florida in 2027? Examples by Income
Updated October 24, 2026 · By the Arte Insurance team · 7-minute read
What ObamaCare costs in Florida in 2027 depends on your income, your household size, your age, your county and the plan you pick. If you qualify for help (income between 100% and 400% of the poverty level), the most you pay for the benchmark Silver plan is 2.15% to 10.22% of your income: one person earning $30,000 would pay at most about $154 a month; a family of four earning $60,000, about $294 a month. Without help, you pay the plan’s full price, and most Florida insurers asked for increases for 2027.
Updated: October 24, 2026 · Source: IRS, Rev. Proc. 2026-26 (2027 applicable percentages)
“How much is ObamaCare?” is the first question we get in Hialeah, Miami and across Florida. There is no single price, but there is a clear rule for people who get help, and with it you can estimate your number before Open Enrollment starts on November 1, 2026.
What your price depends on
- Your household income for 2027. It matters most: it decides whether you get a premium tax credit and how big it is.
- How many people are in your tax household. The same income goes further for 1 person than for 4.
- Your age. Premiums rise with age: a 60-year-old pays up to three times what a 21-year-old pays for the same plan, before the credit.
- Your county. Each insurer prices by area; Miami-Dade is not priced like Orange or Hillsborough.
- The plan and its level (Bronze, Silver, Gold), and tobacco use.
2027 examples: the most you’d pay for the benchmark Silver plan
With a tax credit, your payment for the benchmark Silver plan (the second-lowest-cost Silver plan in your area) is capped at a share of your income. The credit pays the rest of the premium. These are the 2027 caps:
| Household | Estimated 2027 income | % of poverty level | Most you’d pay (benchmark Silver) |
|---|---|---|---|
| 1 person | $20,000 | 125% | 2.15% of income: about $36 a month |
| 1 person | $25,000 | 157% | 4.63%: about $96 a month |
| 1 person | $30,000 | 188% | 6.18%: about $154 a month |
| 1 person | $40,000 | 251% | 8.68%: about $289 a month |
| 1 person | $50,000 | 313% | 10.22%: about $426 a month |
| 2 people | $40,000 | 185% | 6.03%: about $201 a month |
| 3 people | $60,000 | 220% | 7.52%: about $376 a month |
| 4 people | $45,000 | 136% | 3.44%: about $129 a month |
| 4 people | $60,000 | 182% | 5.88%: about $294 a month |
| 4 people | $80,000 | 242% | 8.38%: about $559 a month |
| 4 people | $100,000 | 303% | 10.22%: about $852 a month |
How it’s calculated: the poverty level for 2027 coverage is $15,960 for one person plus $5,680 for each additional person; the percentage comes from the IRS table for 2027 (2.15% to 10.22%). It is the payment for the whole household, not per person. Run your own numbers in the 2027 ObamaCare calculator and check the 2027 income limits.
You can pay less (or more) than those numbers
- Bronze: the credit is the same dollar amount, so a Bronze plan, cheaper than the benchmark, usually leaves you with a much lower monthly premium. The trade-off is a high deductible.
- Silver with extra savings: if your income is up to 250% of the poverty level, Silver plans come with reduced deductibles and copays. For many families it’s the best balance between what they pay each month and what they pay at the doctor.
- Gold: higher premium, lower costs when you use care. See how to choose between Bronze, Silver and Gold.
If you earn more than 400% of the poverty level
In 2027 there is no tax credit above 400% ($63,840 for one person, $132,000 for a family of four), because the temporary rule that capped payments at 8.5% of income ended after 2025 (what happened to the extra subsidies). You pay the plan’s full price, and that’s where the 2027 increase matters most: according to KFF data reported in September, Florida’s twelve Marketplace insurers requested increases ranging from about 4% to 39%, most of them in double digits. In that case it’s worth comparing plans outside the Marketplace too, with a licensed agent.
Watch your income estimate: if your actual income at tax time is higher than what you put on the application, you may have to pay back part of the credit, and from tax year 2026 there is no cap on that repayment. Update your income with the Marketplace when it changes.
What you pay besides the premium
- Deductible: what you pay before the plan covers most services. On Bronze it can exceed $7,000.
- Copays and coinsurance: what you pay at each visit, prescription or test.
- Out-of-pocket maximum: the yearly ceiling. For 2027 it is $12,000 per person and $24,000 per family; many plans set lower limits, and Silver plans with extra savings set much lower ones.
Preventive visits (checkups, vaccines, mammograms, colonoscopies) are covered by Marketplace plans without a copay or deductible, in network.
When you’ll see your exact price
2027 plans and prices for your ZIP code appear on HealthCare.gov on November 1, 2026. Until then, the calculator gives you the cap on what you’d pay; from that date, an agent can compare your county’s actual plans around your doctors and medicines. Pick a plan by December 15 for coverage starting January 1 (Open Enrollment dates and steps).
Frequently asked questions
Does ObamaCare cost the same with or without an agent?
Yes. Insurers pay licensed agents; your premium is the same as applying on your own at HealthCare.gov.
How much does a 60-year-old pay?
Before the credit, a lot more than a 30-year-old. But if you get a tax credit, the cap in the table is the same at any age: the credit absorbs the age difference on the benchmark plan.
What if my income is below 100% of the poverty level?
Florida did not expand Medicaid, so many adults with income under $15,960 (one person) qualify for neither Medicaid nor a tax credit. Children may qualify for Medicaid or Florida KidCare. Talk to an agent: household income is sometimes being counted wrong.
Do immigrants pay the same?
The plan price is the same, but starting January 1, 2027 only citizens, lawful permanent residents, Cuban and Haitian entrants and COFA migrants can get the tax credit (who qualifies in 2027).
Can I know my price before November 1?
The cap, yes, with the calculator. The exact price of each plan, no: it comes out on November 1.
We’ll tell you your real number
We are a private insurance agency licensed in Florida (license L116417), based in Hialeah, helping families across the state by phone and online. We calculate your help with your details, compare your county’s plans around your doctors and medicines, and enroll you. Your premium is the same as applying on your own.
Get a quote or call (786) 808-1802.
Arte Insurance is a private, licensed insurance agency (Florida license L116417). We are not HealthCare.gov or any government agency. You can also apply directly at HealthCare.gov or by calling 1-800-318-2596 (TTY: 1-855-889-4325). The figures on this page are estimates under the 2027 rules; your actual credit depends on the benchmark plan price in your county and the Marketplace’s determination. This article is general information, not tax, legal or immigration advice.
Sources: IRS: Rev. Proc. 2026-26, 2027 applicable percentages (PDF) · HHS: 2026 federal poverty guidelines · HealthCare.gov: how the premium tax credit works · HealthCare.gov: cost-sharing reductions · HealthCare.gov: plan categories · Florida Phoenix, with KFF data: 2027 rate requests in Florida