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Tow Truck Operators Health Insurance in Florida

Benchmark $738/mo · ranked 18 of 23 · median wage $40,160

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The benchmark premium for a 40-year-old in Florida is $738 a month for 2027, ranking 18 of 23 states published here. BLS reports a median annual wage of $40,160 for Light Truck Drivers in Florida.

Wage benchmark and the 2027 subsidy cliff

$40,160median annual wage, Tow Truck Operators in Florida
252%of the federal poverty level
$63,8402027 subsidy cliff, single-person household

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.

Median annual wage by state, Light Truck Drivers400% FPL — $63,840Colorado$46,960Wisconsin$46,480Illinois$46,440Maryland$46,230South Dakota$44,090Utah$43,760Tennessee$43,680Virginia$43,200Indiana$43,070Georgia$42,950Nebraska$42,940Kansas$42,620Nevada$42,260Ohio$41,430Texas$40,760Michigan$40,500Florida$40,160South Carolina$38,960Mississippi$38,820North Carolina$38,800Alabama$38,130Oklahoma$38,080Arkansas$37,630

What this figure is. It is the median annual wage BLS reports for Light Truck Drivers (SOC 53-3033) 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 tow truck operator. 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.

Sources
  1. U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
  2. U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 91 FR 1797, 15 January 2026. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-09-27. The 2026 guidelines govern premium tax credit eligibility for plan year 2027 coverage. The 2027 guidelines apply to 2028 coverage.
  3. Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 23 states

Benchmark premium and median wage for this occupation, ranked by premium.

#StateBenchmark @40Median wagevs cliff
1Maryland$491$46,230below
2Indiana$537$43,070below
3Virginia$549$43,200below
4Nevada$565$42,260below
5Michigan$595$40,500below
6Ohio$603$41,430below
7Colorado$615$46,960below
8North Carolina$660$38,800below
9Oklahoma$686$38,080below
10South Carolina$702$38,960below
11South Dakota$704$44,090below
12Illinois$707$46,440below
13Alabama$712$38,130below
14Utah$716$43,760below
15Wisconsin$720$46,480below
16Georgia$733$42,950below
17Texas$737$40,760below
18Florida$738$40,160below
19Kansas$748$42,620below
20Arkansas$757$37,630below
21Nebraska$780$42,940below
22Tennessee$796$43,680below
23Mississippi$814$38,820below

Questions

How much does a tow truck operator make in Florida?
The BLS median wage for Light Truck Drivers in Florida is $40,160 a year (May 2024). Starting pay — the 10th percentile — is about $29,520. The middle half earn $37,280 to $49,330, and the top 10% more than $72,450. BLS counts about 71,340 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.
Does being a tow truck operator change what health insurance costs in Florida?
No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $738 a month applies regardless of trade.
Do tow truck operators qualify for a subsidy in Florida in 2027?
Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Light Truck Drivers in Florida is $40,160, which is below the 2027 cliff of $63,840 for a single-person household. Your own income and household size decide the answer.
What is the benchmark premium in Florida for 2027?
$738 a month for a 40-year-old, ranking 18 of 23 states published here. That is full price before any premium tax credit.
Where do these numbers come from?
Premiums come from the CMS Plan Year 2027 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on Florida

This page compares states. For Florida specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.

← Tow Truck Operators in all states · All trades · All occupations

How Florida compares with every other state →

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Tow Truck Operators in Florida: choosing a 2027 plan

The 2027 plans are posted: 12 carriers across 67 Florida counties, down from 15 in 2026. Carriers file county by county, so the statewide count only tells you so much.

In the median Florida county the benchmark Silver plan for a 40-year-old is $732 a month for 2027, up 4.7% on 2026, before any tax credit.

The window runs from November 1, and December 15 is the deadline for coverage that starts January 1 — in Florida and on every marketplace.

PPOs are sold in all 67 Florida counties for 2027 — the plan type most likely to pay toward care out of network, which matters if your work takes you around.

Settle it before December 15

The 2027 plans are posted and the deadline for a January 1 start is December 15. Ten minutes with your ZIP code settles which plan still fits.

Enter a ZIP and a licensed agent will tell you three things:

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Florida Tow Truck Operators: your county sets the price, not your trade

There is no single Florida price. Enter your ZIP and a licensed agent will pull what is filed in your county, then work out what help you qualify for.

Takes about 30 seconds. No account, and you choose how you are reached.

“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.”
Mark T., client