Ranked 12 of 17 states · median $789/mo · CMS PY2026
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A 40-year-old personal trainer 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 median Silver premium, Florida ranks 12 of 17 for this occupation.
Patient-facing and on-your-feet work produces steady, predictable claims — routine visits, refills, physical therapy, the occasional urgent care. That profile is decided by copay design and by whether your providers are in network, not by the sticker premium, so carrier count sits alongside cost below.
Occupational context: Musculoskeletal injury from demonstration and spotting.
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 personal trainer 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 personal trainer 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 |
|---|---|---|---|---|
| Jefferson | $585 | Ambetter Health | $8,000 | 5 |
| 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 |
The spread across just these six is $92/month — $1,103 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 personal trainer 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: 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
Cross-state numbers are useful for understanding whether Florida is treating you well, not for arbitrage. You cannot buy an out-of-state exchange plan. If you are a personal trainer weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
If you file a Schedule C as a personal trainer, the categories that usually show up are: Certification, gym rental, equipment, liability insurance. 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 BLS median wage for Exercise Trainers and Group Fitness Instructors in Florida is $37,420 a year (May 2024). Starting pay — the 10th percentile — is about $25,310. The middle half earn $28,960 to $51,040, and the top 10% more than $63,750. BLS counts about 17,120 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.
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 12 of 17 states covered here, at a median $789 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.
This occupation is below the cliff in all 23 states reported.
What this figure is. It is the median annual wage BLS reports for Exercise Trainers and Group Fitness Instructors (SOC 39-9031) 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 personal trainer. 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 Personal Trainers in Florida and a blog covering deductibles, subsidies and special enrollment.
The biggest change here is a carrier walking away. Cigna leaves the ACA individual market on January 1, 2027 — one of the 15 carriers writing in Florida today. Every a personal trainer on a Cigna plan is moving, and doing nothing just means the marketplace chooses the replacement.
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.
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.
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 personal trainer 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:
Most Personal Trainers here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Florida.
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