Coverage on the Space Coast
Brevard runs along the coast from Titusville and the Kennedy Space Center down through Cocoa, Merritt Island, Melbourne and Palm Bay. A lot of work here ties to launches and aerospace, often through contractors, and contracts end. Others work at Port Canaveral and the cruise terminals, in beach hotels and restaurants, or for themselves. The county also has plenty of people who retired before 65.
When a contract ends and the job plan goes with it, you usually get a 60-day Special Enrollment Period to buy a Marketplace plan. Electing COBRA is an option, but dropping it later on purpose doesn't open a new window. If you're on 1099 work between programs, see our self-employed guide.
Who sells Marketplace plans in Brevard County
In 2026, seven companies sold Marketplace plans across all of Brevard: Florida Blue (47 plans), Florida Health Care Plans (23), Ambetter Health (19), Health First (18), UnitedHealthcare (17), Oscar Health (15) and Wellpoint (13).
| Company | Plans | Plan types | Metal levels |
|---|---|---|---|
| Florida Blue | 47 | EPO, POS, PPO | Bronze, Silver, Gold, Platinum |
| Florida Health Care Plans | 23 | HMO, POS | Bronze, Silver, Gold |
| Ambetter Health | 19 | HMO | Bronze, Silver, Gold |
| Health First | 18 | HMO | Catastrophic, Bronze, Silver, Gold |
| UnitedHealthcare | 17 | HMO | Bronze, Silver, Gold |
| Oscar Health | 15 | HMO | Bronze, Silver, Gold |
| Wellpoint | 13 | HMO | Catastrophic, Bronze, Silver, Gold |
Source: CMS Marketplace public use files, plan year 2026. Lists for 2027 can change; your quote shows the current plans.
Two things stand out. Florida Blue's 47 plans here were EPO, POS and PPO, with no HMO. And Health First, the local hospital system, also sold its own HMO plans, including a Catastrophic one. Florida Health Care Plans sold HMO and POS plans. The 2027 list can change, and your quote shows the current plans.
Health First, Parrish and your network
Health First runs several hospitals in the county, including Holmes Regional in Melbourne and Cape Canaveral Hospital in Cocoa Beach, plus hospitals in Palm Bay and Viera. In Titusville, Parrish Medical Center is the hospital many people use.
A hospital company selling insurance doesn't mean every plan, even its own, includes every doctor you know. Check each plan's directory for your doctors and the hospital you'd want, Health First's plans included, and call the office to confirm.
Prices in Brevard County
The table shows live prices at age 40 for the three HPG plans, with the quote date, and ACA prices when we have them. HPG prices were the same in all 12 Florida counties we quoted.
UnitedHealthcare Health ProtectorGuard here, woman age 40, no tobacco
- Select 2000$145.80a month
- Preferred 4000$229.71a month
- Premier 5000$313.19a month
Source: October 24, 2026, ZIP 32780.
ACA Marketplace
ACA prices depend on your income and age. Run the form to see your exact prices with your tax credit.
Marketplace prices depend on age, ZIP and income. For 2027, incomes from 100% to 400% of the poverty level can get a tax credit, and from 100% to 250% there are extra savings on Silver plans. See the subsidies page.
HPG is fixed indemnity, not full health insurance. Premier 5000 pays $5,000 per hospital day, for example, but a long stay or surgery can cost far more. There's no out-of-pocket maximum, it isn't minimum essential coverage, and health questions apply.
Brevard County ZIP codes
We list 31 ZIP codes for Brevard, from 32754 in Mims, which it shares with Volusia, to 32976 near Barefoot Bay. Even 32899, the Kennedy Space Center ZIP, is on the list.
ZIP codes in Brevard County. If yours spans two counties, the form asks which one.
32754327753278032796328993290132903329043290532907329083290932920329223292532926329273293132934329353293732940329483294932950329513295232953329553295932976
When to enroll for 2027
Open Enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage on January 1. We aren't HealthCare.gov or a government site. You compare here and finish on HealthSherpa, which connects to the federal Marketplace.
- Open Enrollment opens
- Last day to pick a plan that starts January 1
- Open Enrollment ends. Plans picked from Dec 16 start February 1
After that you need a Special Enrollment Period (a life event like losing coverage, moving, marriage or a baby). Medicaid and Florida KidCare take applications any time.
Source: HealthCare.gov dates for 2027 coverage
Up the coast, the Volusia County page lists the same seven companies. Inland, see Osceola County, or every county on the Florida index.
Common questions
Is Health First a hospital or an insurance company?
Both. It runs hospitals in Brevard, and in 2026 it also sold 18 Marketplace HMO plans here. Compare its plans with the other six companies and check every network.
How many companies sold Obamacare plans in Brevard in 2026?
Seven: Florida Blue, Florida Health Care Plans, Ambetter Health, Health First, UnitedHealthcare, Oscar Health and Wellpoint.
My contract at the Cape ended. Can I buy a plan now?
If you lost job coverage, you usually have 60 days to enroll. COBRA running out counts too. Dropping COBRA on purpose doesn't.
Does Florida Blue sell HMO plans in Brevard?
Not in 2026. Its plans here were EPO, POS and PPO. If you want an HMO, the other six companies sold them.