Ranked 10 of 15 states · median $789/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old musician 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 median Silver premium, Florida ranks 10 of 15 for this occupation.
When you use coverage regularly, the annual total is driven by what each visit costs and whether the clinician you already see is contracted. A plan $40 cheaper that drops your specialist is not cheaper. These rankings pair median premium with how many carriers actually file in the state.
Occupational context: Noise-induced hearing loss; repetitive strain; travel fatigue.
Worth being clear about what this does and does not affect: a carrier in Florida cannot ask what you do for a living, cannot charge a musician more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area, so a musician 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 |
|---|---|---|---|---|
| Holmes | $617 | Ambetter Health | $8,000 | 3 |
| Escambia | $641 | Ambetter Health | $8,000 | 5 |
| Saint Johns | $654 | Ambetter Health | $8,000 | 6 |
| Manatee | $661 | Ambetter Health | $8,000 | 6 |
| Broward | $677 | Florida Blue HMO (a BlueCross BlueShield FL company) | $9,500 | 12 |
| Martin | $705 | Wellpoint | $3,500 | 7 |
The spread across just these six is $87/month — $1,050 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 and cost | 2026 |
|---|---|
| Median Silver premium @40 | $789 |
| Cheapest Silver @40 | $554 — Ambetter Health (Indian River) |
| Most expensive Silver @40 | $2,203 |
| Carriers filing in the state | 15 — 22 Health, Ambetter Health, AmeriHealth Caritas Next, AvMed |
| Plan types available | EPO, HMO, POS, PPO |
| Counties with only one carrier | 1 of 67 |
Florida has 15 carriers filing and 1 of 67 counties served by a single issuer. For a musician with an established provider relationship, that carrier count is the number that decides whether you keep your doctor.
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
This only matters if you can actually choose — you buy in the state where you live, not where you work. If you are a musician who moved this year, that move is a qualifying life event and opens a special enrollment period.
If you file a Schedule C as a musician, the categories that usually show up are: Instruments, gear, studio time, touring travel. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
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 musician 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 Musicians in Florida and a blog covering deductibles, subsidies and special enrollment.