How to Renew ObamaCare for 2027 in Florida (Step by Step)
Updated October 13, 2026 · By the Arte Insurance team · 6-minute read
If you have an ObamaCare (Health Insurance Marketplace) plan in 2026, Open Enrollment is your chance to renew, change or update it for 2027. It runs November 1, 2026 to January 15, 2027, and you need to choose a plan by December 15 for coverage that starts January 1. Here’s how to renew without surprises.
1. Read the two letters you get before November 1
By November 1, you should get two letters: one from your insurance company and one from the Marketplace. Together they tell you:
Whether your current plan is available for 2027
Which plan you’re matched with, and will be automatically re-enrolled in if you don’t act by December 15
Changes in your coverage and your savings
Whether the Marketplace needs documents from you, and how to send them
Don’t have your letters? Call your insurance company for theirs, and the Marketplace Call Center at 1-800-318-2596 for the Marketplace letter.
2. What happens if you do nothing
If you have Marketplace coverage and don’t act by December 15, you may be automatically re-enrolled for January 1, so you don’t have a gap. If your insurance company doesn’t offer a similar plan for 2027, the Marketplace may move you to a comparable plan with a different company. In some cases you won’t be re-enrolled automatically, so don’t count on it.
Automatic re-enrollment keeps you covered, but it uses the information already on your application. Your savings may be wrong for 2027, too low or too high, and the plan you’re matched with may not include your doctors.
3. Update your income and household for 2027
Your savings for 2027 are based on what you expect your household to earn in 2027, not on past years. If you don’t update your application:
You could miss savings you qualify for, or
You could get more than you qualify for and have to pay it back when you file your 2027 taxes. Since the 2026 tax year, there’s no cap on how much you may have to repay.
Also update your household: a new baby, a marriage or divorce, someone who got job coverage or Medicare, or a move. Our 2027 savings calculator gives you a quick estimate. Self-employed? See how to estimate your 2027 net income.
4. Compare before you choose
Plans and prices change every year. Before you keep your plan, check:
The monthly premium after your tax credit
The deductible and the out-of-pocket maximum, not just the premium
Whether your doctors, clinics and hospitals are in the plan’s network
Whether your prescriptions are covered
If your income is up to 250% of the federal poverty level, Silver plans may come with extra savings on deductibles and copays
5. Key dates
November 1, 2026: Open Enrollment starts
December 15, 2026: last day to choose a plan that starts January 1
January 15, 2027: Open Enrollment ends. Plans chosen December 16 – January 15 start February 1.
If you were automatically re-enrolled and your coverage already started, you can still switch plans until January 15. The new plan starts February 1.
6. New in 2027: you approve your agent
If a licensed agent helps you renew through an online enrollment platform, federal rules now require you to approve that agent. You’ll get a text, an email or an automated call with a one-time code or link. It works only once and expires within 15 minutes, so keep your phone nearby when we call. Some applications also need a quick identity check first. Your approval lasts for the whole plan year, unless you approve a different agent.
Never share your HealthCare.gov password with anyone, including us.
7. Special cases in 2027
Cigna or Sunshine State Health Plan members: both are leaving Florida’s Marketplace. Read what to do before December 15.
Immigrant families: the rules on who can get premium tax credits change January 1, 2027. See who still qualifies.
Don’t want Marketplace coverage next year? You need to end it. Otherwise you may be automatically re-enrolled.
Switching insurance companies? Pay the first premium to the new company. Your new coverage doesn’t start until you do.
Get help renewing, in English or Spanish
Call us at (305) 440-8070 or request a free quote. Have your letters and your 2027 income estimate handy (here’s what else to have ready). Our help with Marketplace applications is free, and your premium is the same as if you enrolled on your own.
Arte Insurance is a private, licensed insurance agency (Florida license L116417). We are not HealthCare.gov or a government agency. You can also renew directly at HealthCare.gov or by calling 1-800-318-2596 (TTY: 1-855-889-4325). This article is general information, not tax, legal or immigration advice.
Sources: HealthCare.gov: renew, change, update or cancel your plan · HealthCare.gov: automatic re-enrollment · HealthCare.gov: dates and deadlines · CMS: agent and broker authorization FAQs (PDF)