HealthCare.gov is Florida's marketplace lane
Florida uses HealthCare.gov for Marketplace plans, with annual open enrollment and event-specific enrollment windows outside it.
Florida uses the federal HealthCare.gov Marketplace. Its yearly open season now runs from November 1 through January 15.
Outside that time, a person usually needs a life event that fits the federal rules. Loss of most health coverage opens a 60-day window before or after the loss. A recent loss of Medicaid or CHIP may allow 90 days after that coverage ends.
A move to a new ZIP code or county does not always count. The person usually must have had health coverage for at least one day in the prior 60 days. That past-coverage rule does not apply to a move from a foreign country or U.S. territory. A short move for a trip or medical care does not count.
Marriage, birth, adoption, and other events each have their own rules. Keep proof of the event, old plan, household size, and expected income. Also save any Medicaid or CHIP notice. Send requested papers by the date shown in the Marketplace account.
When Medicaid may fit, check Florida’s DCF path too. Review the exact event before the old card ends instead of assuming any life change opens a new plan.
Official sources
- Florida DCF - Medicaid
- HealthCare.gov - Special Enrollment Periods
- HealthCare.gov - Enrollment Dates and Deadlines
Last checked against these sources: July 27, 2026.
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