Self-employed in Florida? The 2027 median Silver premium is $848 a month at 40 (+7.5% from 2026), 12 insurers sell, PPOs exist. The credit line, the deduction a
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The short answer: in Florida the median 2027 marketplace Silver premium for a 40-year-old is $848 a month before any credit (+7.5% from 2026), the cheapest Silver filed anywhere in the state is $597 (Ambetter Health, Calhoun County), 12 insurers sell plans for 2027 (15 in 2026), and PPO plans are sold here. A 1099 worker pays that full price above $63,840 of net income for one person, and a capped share of income below it.
Premiums are set county by county and the credit is set by income, so no table can give a 1099 worker a final number. Enter your ZIP and a licensed agent prices every plan filed where you live against what you actually expect to earn.
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| Median Silver, age 40 (full price) | $848 a month ($789 in 2026) |
|---|---|
| Cheapest Silver filed, age 40 | $597, Clarity Silver, Calhoun County (deductible $8,000) |
| Range of Silver medians across counties | $597 to $2,989 |
| Cheapest Silver at 27 / 50 / 60 | $489 / $834 / $1,267 |
| Insurers selling for 2027 | 12 (15 in 2026) |
| Counties with a single insurer | 0 of 67 (1 in 2026) |
| Plan types filed | EPO, HMO, POS, PPO |
| 2027 credit line, 1 / 2 / 4 people | $63,840 / $86,560 / $132,000 |
Source: CMS Plan Year 2027 and 2026 Qualified Health Plan Landscape files, every plan filed in Florida; medians are of all Silver plans filed, not enrollment-weighted. Full price before the premium tax credit.
BLS state medians for the trades on this site (May 2024, employees), against the 2027 line for one person. Over the line means full price; under it means the benchmark plan is capped at 2.15% to 10.22% of income.
A married 1099 worker is measured on household income against $86,560 (couple) or $132,000 (family of four); a spouse’s W-2 counts. The trade pages run the numbers for each household size.
The federal self-employed health insurance deduction (Form 7206) works the same in every state: premiums for the household come off above the line, up to net profit, for months with no employer plan available. State income tax treatment follows the federal adjusted gross income in most states; a tax professional confirms the state return.
County prices for Florida: Coverage by County. Florida against the other states: Plans By State.