Head-to-head, from CMS Plan Year 2026 data.
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Alabama is the cheaper of the two: a 40-year-old pays about $680/month for the median Silver plan, versus $789 — a difference of $109/month (16%) before subsidies.
| Alabama | Florida | |
|---|---|---|
| Median Silver @40 | $680 | $789 |
| Cheapest Silver @40 | $583 | $554 |
| Most expensive county @40 | $1,124 | $2,203 |
| Age 27 | $478 | $454 |
| Age 60 | $1,238 | $1,177 |
| Carriers | 4 | 15 |
| Counties | 67 | 67 |
| 1-carrier counties | 7 | 1 |
| Plan types | EPO, PPO | EPO, HMO, POS, PPO |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Alabama or Florida. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
You do not have to wait for the next open enrollment. A permanent move between these two opens a 60-day special enrollment period from the day you arrive, which is the window in which you would pick from the 15 carriers writing across Florida’s 67 counties. Watch the fine print: qualifying coverage for at least one day in the preceding 60 is generally required, and a move for medical care or a vacation does not count.
Coverage does not port across the state line. Ending in Alabama and starting in Florida is two separate transactions, and the plan you end up with in Florida is priced on its own county, not on what you paid before.
Of the 4 carriers in Alabama and 15 in Florida, UnitedHealthcare appears in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
PPO availability is total on both sides, 67 counties in Alabama and 67 in Florida. If you expect to keep needing care in both, that plan type is the reason this pairing is more workable than most.
You cannot carry one plan in Alabama and a second in Florida. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
State averages hide enormous county-level spread. Whichever of Alabama or Florida you are in, your ZIP is what sets your premium.