Ranked 10 of 15 states · median $789/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old mortgage broker in Florida pays a median $789/month for a Silver plan before subsidies — 10th of 15 on cost. The cheapest plan in the state is $554 from Ambetter Health in Indian River. On counties covered, Florida ranks 12 of 15 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: South Dakota ($725), Oklahoma ($731), Kansas ($765). More expensive: Utah ($805), Texas ($807), North Carolina ($828).
Side-by-side: Florida vs Oklahoma · Florida vs Kansas · 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 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 10 of 15 states covered here, at a median $789 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
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.