Ranked 12 of 17 states · median $789/mo · CMS PY2026
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A 40-year-old mortgage broker in Florida pays a median $789/month for a Silver plan before subsidies — 12th of 17 on cost. The cheapest plan in the state is $554 from Ambetter Health in Indian River. On counties covered, Florida ranks 14 of 17 for this occupation.
Coverage that only works where you sleep is not coverage if you spend the week elsewhere. The binding question is whether the plan pays out of area at all, and beyond emergencies many HMOs simply do not. States below are ordered by network reach, with the no-PPO states flagged.
Occupational context: Sedentary and high-stress cycles tied to rate swings.
Two things get confused here constantly. Risk exposure decides what coverage you should buy. It does not decide what you are charged — Florida carriers rate on age, ZIP, tobacco and family size, full stop. A mortgage broker with a bad back and a healthy 40-year-old office worker in the same county see the same number.
Premium is set by rating area, so a mortgage broker in one Florida county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Lee | $713 | UnitedHealthcare | $4,500 | 6 |
| Suwannee | $743 | Ambetter Health | $8,000 | 4 |
| Glades | $813 | Ambetter Health | $8,000 | 3 |
| Monroe | $1,272 | Florida Blue (BlueCross BlueShield FL) | $4,000 | 1 |
| Sumter | $603 | Ambetter Health | $8,000 | 3 |
| Gadsden | $637 | Ambetter Health | $8,000 | 5 |
The spread across just these six is $669/month — $8,025 a year for the same metal tier. Statewide the range runs $554 to $2,203. Coverage by County publishes all 67 Florida counties individually.
| Florida — network reach | 2026 |
|---|---|
| Counties in the state | 67 |
| Counties with only one carrier | 1 (1%) |
| Plan types available | EPO, HMO, POS, PPO |
| PPO available on exchange | Yes |
| Carriers filing in the state | 15 |
| Cheapest Silver @40 | $554 — Indian River |
Florida has PPO plans available. For a mortgage broker covering distance, that single fact outweighs premium: 1 of 67 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 7,569 plan records across 67 Florida counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Kansas ($765), Tennessee ($773), Mississippi ($773). More expensive: Utah ($805), Texas ($807), North Carolina ($828).
Side-by-side: Florida vs Tennessee · Florida vs Mississippi · Florida vs Utah · Florida vs Texas
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a mortgage broker that is fixed unless you relocate. Where it is actionable is a move already in progress — that is a qualifying life event, and you have 60 days on either side of it.
Expense categories that typically apply to this trade: Licensing, CRM, E&O insurance, lead costs. Premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or your spouse — a question for your CPA, not your agent.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The BLS median wage for Loan Officers in Florida is $71,340 a year (May 2024). Starting pay — the 10th percentile — is about $33,900. The middle half earn $49,630 to $99,730, and the top 10% more than $135,450. BLS counts about 19,750 people doing this work for an employer in Florida. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.
The cheapest Silver plan for a 40-year-old in Florida is $554 per month from Ambetter Health, with a state median of $789. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
No. Florida exchange plans are guaranteed issue and community rated, so a mortgage broker pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
Yes. Plan types filed for 2026: EPO, HMO, POS, PPO.
Florida ranks 12 of 17 states covered here, at a median $789 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Above the cliff. At this income a single-person household receives no premium tax credit for 2027 and pays the full premium.
This occupation sits above the cliff in 16 of the 23 states reported and below it in the other 7, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Loan Officers (SOC 13-2072) in Florida. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed mortgage broker. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2027 the 400% FPL limit applies again, so household income above $63,840 ends premium tax credit eligibility outright.
This page compares states. For Florida specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Mortgage Brokers in Florida and a blog covering deductibles, subsidies and special enrollment.
Florida loses a carrier this cycle: Cigna is out of the ACA individual market from January 1, 2027, leaving 14 filing here. For Mortgage Brokers that is a forced decision, and a better one made in November than in January.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Florida has finalised: insurers were approved for an average 10.4% increase for 2027. Your own premium still turns on your plan and county.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Florida included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
In your favour: PPOs are sold in all 67 Florida counties. That is the type most likely to pay toward out-of-network care, and worth defending at renewal if your work as a mortgage broker takes you around.
You already know you are changing plans — Cigna is leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made now than in the second week of December.
Enter a ZIP and a licensed agent will tell you three things:
The sticker price is rarely what Mortgage Brokers in Florida end up paying. Start with a ZIP and a licensed agent will work out your actual number.
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