ICHRA in Florida.
The ICHRA itself is federal — a fixed, tax-free monthly allowance your employees use to buy their own individual plans. What's local is the market underneath it. Here is what that market looks like in Florida.
The Florida market underneath it.
Florida consistently has the largest ACA marketplace enrollment in the country, which brings deep carrier competition in most metros. Floridians buy marketplace plans on HealthCare.gov, and because each county is its own rating area, an ICHRA budget in Florida is genuinely county-specific.
Where employees buy plans
HealthCare.gov — the federal exchange, or directly from carriers off-exchange.
How premiums are set
Premiums vary by age (up to 3:1), rating area, and tobacco use. Florida rates by county — 67 counties, 67 rating areas — so every county line is a pricing line.
What we price here
Every individual plan in our live 2026 artifact for Florida — 67 counties across 67 rating areas, from government rate filings.
Florida questions.
Why does Florida have 67 rating areas?
Florida chose county-level rating: each of its 67 counties is its own rating area. Practically, that means an employee in Miami-Dade and one in Broward can face different prices for the identical plan — and their allowances can be computed to match.
Is Florida's individual market big enough to rely on?
Florida's marketplace enrollment is consistently the largest in the nation, and most metro counties carry multiple competing carriers at every metal tier.
See your Florida team's number.
Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. This page is an educational overview — not an offer of coverage, not a recommendation to buy any plan, and not financial, tax, legal, medical, coverage, or insurance advice.