Florida loses 450,000 ACA subscribers as national premiums jump 37%

Congress let the temporary ACA subsidy enhancements expire in December 2025, prompting a national premium increase of about 37%, or roughly $1,000 per year. Data from one outlet for January-February 2026 show Florida’s effectuated ACA enrollments fell 10%, from 4.3 million to 3.85 million, a loss of 450,000 people—the highest number of dropouts in any state. The decline was less steep than in Ohio or Oklahoma, which saw 32% drops, but still signals a major shift for a state that relies heavily on marketplace coverage.

The U.S. Department of Health and Human Services reported nearly 3 million people who received subsidies in 2025 lost coverage in 2026, attributing the change to perceived over-subsidization and alleged fraud, claims contested by many policy analysts. Enrollment patterns also shifted toward cheaper bronze plans, with fewer consumers selecting silver coverage. The full impact on Florida’s uninsured rate will not be clear until 2027 data are released.