Head-to-head, from CMS Plan Year 2026 data.
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Florida is the cheaper of the two: a 40-year-old pays about $789/month for the median Silver plan, versus $807 — a difference of $18/month (2%) before subsidies.
| Florida | Texas | |
|---|---|---|
| Median Silver @40 | $789 | $807 |
| Cheapest Silver @40 | $554 | $540 |
| Most expensive county @40 | $2,203 | $1,409 |
| Age 27 | $454 | $443 |
| Age 60 | $1,177 | $1,146 |
| Carriers | 15 | 15 |
| Counties | 67 | 254 |
| 1-carrier counties | 1 | 7 |
| Plan types | EPO, HMO, POS, PPO | EPO, HMO, POS |
Network note: Texas has no PPO plans in 2026 while Florida does.
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: Florida or Texas. 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.
Moving permanently from Florida to Texas is a qualifying life event, so you get a 60-day special enrollment window counted from the move date — time enough to work through the 15 carriers filing in Texas without waiting for open enrollment. Two conditions trip people up: you generally need to have held qualifying coverage for at least one day in the 60 days before the move, and relocating purely for treatment or a holiday will not qualify.
Coverage does not port across the state line. Ending in Florida and starting in Texas is two separate transactions, and the plan you end up with in Texas is priced on its own county, not on what you paid before.
Of the 15 carriers in Florida and 15 in Texas, Cigna Healthcare, Molina Healthcare and UnitedHealthcare appear in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
The plan types do not match up. PPOs cover all 67 counties in Florida and zero of the 254 in Texas. Since the PPO is the one type that reliably pays out of network, moving into Texas narrows where you can be seen rather than just changing what you pay.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Florida the Texas care is the out-of-network half, and the reverse if you file from Texas.
Picking between Florida and Texas on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.