Money and taxes
HealthCare.gov is Florida's marketplace lane
Florida uses the federal HealthCare.gov marketplace, so moving, losing coverage, or missing open enrollment can make timing important.
For many Floridians who do not get health insurance through work, Medicare, Medicaid, or a direct private plan, the marketplace lane is HealthCare.gov.
The timing matters. Open enrollment runs from November 1 through January 15. Outside that window, a person usually needs a Special Enrollment Period. Moving to a new ZIP code or county, losing coverage, getting married, having a baby, or other life changes can matter, but the details are not all the same.
For someone moving to Florida, keep the health coverage question with the lease, school, job, and driver license paperwork. Do not wait until a prescription refill or doctor visit forces the issue.
Keep proof of the move, old coverage, household size, income estimate, and any Medicaid or CHIP notice. If the site asks for documents, upload them before the deadline. If Medicaid might fit, check the Florida DCF path too.
The practical goal is simple: know which lane you are in before the old card stops working.
Official sources
Last checked against these sources: July 1, 2026.