Head-to-head, from CMS Plan Year 2026 data.
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Ohio is the cheaper of the two: a 40-year-old pays about $625/month for the median Silver plan, versus $789 — a difference of $163/month (26%) before subsidies.
| Ohio | Florida | |
|---|---|---|
| Median Silver @40 | $625 | $789 |
| Cheapest Silver @40 | $482 | $554 |
| Most expensive county @40 | $924 | $2,203 |
| Age 27 | $395 | $454 |
| Age 60 | $1,023 | $1,177 |
| Carriers | 11 | 15 |
| Counties | 88 | 67 |
| 1-carrier counties | 0 | 1 |
| Plan types | HMO | EPO, HMO, POS, PPO |
Network note: Ohio has no PPO plans in 2026 while Florida does. If you work across county or state lines that difference matters more than the premium gap.
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: Ohio 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.
Moving permanently from Ohio to Florida 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 Florida 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.
There is no transfer to request. Ohio coverage stops, Florida coverage starts, and the premium is rebuilt from your new county rather than carried over.
Of the 11 carriers in Ohio and 15 in Florida, 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 88 in Ohio. Since the PPO is the one type that reliably pays out of network, moving into Ohio narrows where you can be seen rather than just changing what you pay.
Splitting the year does not mean splitting the coverage. You can hold a marketplace plan only in your state of primary residence — the address you file from — not one in Ohio and another in Florida. The cost lands on care received in whichever of the two you did not choose.
Neither Ohio nor Florida has one price. Give me a ZIP and I will pull the plans in that county and work out what help you qualify for.