Ranked 10 of 15 states · median $789/mo · CMS PY2026
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
A 40-year-old plumber 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 highest out-of-pocket maximum, Florida ranks 3 of 15 for this occupation.
Injury exposure means the number that matters is the out-of-pocket maximum, not the premium. A single ER visit and follow-up can hit that ceiling in one month, so these pages rank states by worst-case annual exposure rather than by monthly cost.
Occupational context: Confined-space entry; sewage and biohazard exposure; back strain.
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 plumber 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 plumber 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 |
|---|---|---|---|---|
| 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 |
| Indian River | $554 | Ambetter Health | $8,000 | 7 |
| Madison | $612 | Ambetter Health | $8,000 | 5 |
The spread across just these six is $266/month — $3,188 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 — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $2,250 |
| Highest annual out-of-pocket maximum | $10,600 |
| Cheapest Gold plan @40 | $545 — Health First Commercial Plans |
| Gold deductible | $2,200 |
| Cheapest Silver @40 | $554 — Ambetter Health |
| Cheapest Silver @50 | $775 |
For a plumber, the gap between $2,250 and $10,600 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
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
A caveat on the table above: rating is by residence, not by job site. A plumber 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.
If you file a Schedule C as a plumber, the categories that usually show up are: Tools, van, licensing, materials, 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 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 plumber 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.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation sits above the cliff in 8 of the 21 states reported and below it in the other 13, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Plumbers, Pipefitters, and Steamfitters (SOC 47-2152) 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 plumber. 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 Plumbers 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 Plumbers that is a forced decision, and a better one made in November than in January.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Florida rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
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 a plumber 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:
The sticker price is rarely what Plumbers in Florida end up paying. Start with a ZIP and I will work out your actual number.