Ranked 12 of 17 states · median $789/mo · CMS PY2026
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
A 40-year-old physical therapist 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 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; chronic back strain.
This is background for choosing a plan, not for pricing one. Since 2014 every Florida exchange plan has been guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same filed premium whether you are a physical therapist or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a physical 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 |
|---|---|---|---|---|
| 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 |
| Polk | $647 | Ambetter Health | $8,000 | 7 |
| Charlotte | $659 | Ambetter Health | $8,000 | 4 |
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 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 physical 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: 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
A caveat on the table above: rating is by residence, not by job site. A physical therapist living in Florida and working across a state line still buys Florida plans. A genuine permanent move does trigger a special enrollment period, but the plan year restarts with a fresh deductible.
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 BLS median wage for Physical Therapists in Florida is $98,880 a year (May 2024). Starting pay — the 10th percentile — is about $60,430. The middle half earn $80,130 to $106,460, and the top 10% more than $123,700. BLS counts about 17,050 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. Under the ACA, carriers cannot rate, decline, or exclude based on occupation or health history. Rates vary only by age, ZIP code, tobacco use and household size.
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 is above the cliff in all 23 states reported.
What this figure is. It is the median annual wage BLS reports for Physical Therapists (SOC 29-1123) 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 physical 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 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 Physical Therapists 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 Physical Therapists 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 physical therapist 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 Physical Therapists in Florida end up paying. Start with a ZIP and a licensed agent will work out your actual number.
★★★★★
“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”