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October 19, 2026

Healthcare costs are on the minds of Floridians more than ever. In fact, Americans now rank healthcare expenses as their top financial concern — ahead of housing, food, and utilities, according to the Peterson-KFF Health System Tracker.

The good news? You have the power to do something about it. The Annual Enrollment Period (AEP) for Medicare and the Open Enrollment Period (OEP) for Affordable Care Act (ACA) Marketplace plans are your once-a-year opportunity to review your options and make sure your health coverage is still working for you — and your budget.

When does Open Enrollment start for 2027 plans?

If you’ll be shopping for an Individual Marketplace plan, Open Enrollment starts November 1 and lasts through January 15.

For people shopping for a Medicare plan, the Annual Enrollment Period kicks off October 15 and lasts through December 7. These are the dates when you can enroll in a new plan. But you can begin weighing your options on October 1, when health plans like Florida Blue are allowed to begin marketing their 2027 plan benefits to the public.

Here are four tips to help you shop for health coverage:

1. Look at your health first, not the plan.

Before comparing plans, take a look at how you used your plan this past year. What doctors did you see? What prescriptions do you take? Did you have any unexpected health needs? Your health needs should guide your decision.

2. Don’t focus on the monthly amount

A low monthly premium (your monthly bill) can be tempting, but it doesn't always mean your costs will be lower overall. When comparing plans, pay close attention to:

  • Deductibles — what you pay before insurance kicks in
  • Copays and coinsurance — your share of costs at each visit or service
  • Maximum out-of-pocket limits — the most you'd ever pay in a year

A plan with a slightly higher premium but lower out-of-pocket costs could actually save you money if you use your coverage regularly. Do the math before you decide.

3. Don’t assume your current plan is your best bet

Your health needs change every year, and so do most health plans. Your plan may not include the same benefits or doctors, so it’s important to review what’s changed. If you’re a Medicare Advantage member, pay close attention to your Annual Notice of Change mailing. It covers everything that’s changing with your plan. Also, even if everything seems the same, it’s always in your best interest to weigh your options.

4. Know your must-haves

Make a list of what matters most to you in a health plan.

  • Are your current doctors in your plan’s network?
  • Are your prescription drugs covered — and how much are they?
  • Do you need dental, vision, telehealth/virtual care, or other supplemental benefits?

Remember: You don’t have to go it alone. A licensed insurance agent can walk you through your options, help you understand the details, and make sure you're not leaving money or benefits on the table.