Ranked 10 of 15 states · median $789/mo · CMS PY2026
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A 40-year-old occupational therapist 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.
Patient-facing and standing work means steady, predictable utilization — regular visits, prescriptions, physical therapy. Copay structure and network breadth drive real annual cost more than the headline premium, so these pages rank states on median premium and carrier count together.
Occupational context: Lifting and transfer injuries; repetitive strain.
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 occupational therapist 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 occupational therapist 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 |
|---|---|---|---|---|
| Marion | $656 | Ambetter Health | $8,000 | 8 |
| Desoto | $668 | Ambetter Health | $8,000 | 6 |
| Miami-Dade | $682 | Florida Blue HMO (a BlueCross BlueShield FL company) | $9,500 | 11 |
| Putnam | $720 | Ambetter Health | $8,000 | 3 |
| Gilchrist | $745 | Ambetter Health | $8,000 | 3 |
| Taylor | $820 | Florida Blue HMO (a BlueCross BlueShield FL company) | $9,500 | 4 |
The spread across just these six is $164/month — $1,972 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 occupational therapist 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
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a occupational therapist 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, equipment, malpractice insurance, CE. 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.
It cannot happen on an exchange plan. Rating in Florida uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
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.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation is above the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Occupational Therapists (SOC 29-1122) 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 occupational therapist. 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 2026 the 400% FPL limit applies again, so household income above $62,600 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 Occupational Therapists in Florida and a blog covering deductibles, subsidies and special enrollment.
← Occupational Therapists in all 21 states · All occupations
One of Florida’s 15 carriers is leaving. Cigna exits the individual market entirely on January 1, 2027, so if you are an occupational therapist covered by them the question is not whether you switch but whether you choose the switch yourself.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Florida has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Florida regardless of how the current litigation over the enrollment window resolves.
All 67 counties in Florida sell a PPO, which is unusual and useful. For an occupational therapist covering ground, it is the plan type that travels best.
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 in August than in the second week of December.
Give me a ZIP and I will tell you three things:
Two Occupational Therapists on opposite sides of Florida can be quoted very different premiums for the same plan. Your ZIP is what decides it.