Ranked 10 of 15 states · median $789/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old 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 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: Emotional load and burnout; sedentary 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 therapist 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 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 |
|---|---|---|---|---|
| Broward | $677 | Florida Blue HMO (a BlueCross BlueShield FL company) | $9,500 | 12 |
| Martin | $705 | Wellpoint | $3,500 | 7 |
| Santa Rosa | $737 | Ambetter Health | $8,000 | 5 |
| Saint Lucie | $783 | Cigna HealthCare of Florida | $5,000 | 7 |
| Hamilton | $1,185 | Ambetter Health | $8,000 | 2 |
| Leon | $599 | Capital | $7,000 | 6 |
The spread across just these six is $585/month — $7,025 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 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
A caveat on the table above: rating is by residence, not by job site. A 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.
If you file a Schedule C as a therapist, the categories that usually show up are: Licensing, malpractice insurance, EHR software, supervision. 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 therapist 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 Therapists in Florida and a blog covering deductibles, subsidies and special enrollment.