Tourism jobs, gig work and changing hours
If you work at a park, a resort or a restaurant on International Drive, your hours may swing with the seasons. Drivers, cleaners and freelancers see the same thing. Your tax credit is based on the household income you expect for the whole year, so make your best estimate and update the Marketplace when it changes. The final credit is settled on your tax return.
Students at UCF and Valencia can usually stay on a parent's plan until 26. Turning 26 and losing that plan opens a Special Enrollment Period, so you don't have to wait for November.
Lots of people move to Orange County from other states and from Puerto Rico. A move can open a Special Enrollment Period too, though some moves come with a rule about having had coverage before.
Companies selling Obamacare plans in Orange County
Ten companies sold Marketplace plans across all of Orange County in 2026, 208 plans in all, the most of any county we cover: Florida Blue (68), Ambetter Health (26), Molina Healthcare (19), Oscar Health (19), UnitedHealthcare (17), Health First (16), AvMed (14), Wellpoint (13), AmeriHealth Caritas Next (8) and Cigna Healthcare (8). All of them covered the whole county.
| Company | Plans | Plan types | Metal levels |
|---|---|---|---|
| Florida Blue | 68 | EPO, HMO, POS, PPO | Bronze, Silver, Gold, Platinum |
| Ambetter Health | 26 | HMO | Bronze, Silver, Gold |
| Molina Healthcare | 19 | HMO | Bronze, Silver, Gold |
| Oscar Health | 19 | HMO | Bronze, Silver, Gold |
| UnitedHealthcare | 17 | HMO | Bronze, Silver, Gold |
| Health First | 16 | HMO | Catastrophic, Bronze, Silver, Gold |
| AvMed | 14 | HMO | Bronze, Silver, Gold, Platinum |
| Wellpoint | 13 | HMO | Catastrophic, Bronze, Silver, Gold |
| AmeriHealth Caritas Next | 8 | HMO | Bronze, Silver, Gold |
| Cigna Healthcare | 8 | EPO | Bronze, Silver, Gold |
Source: CMS Marketplace public use files, plan year 2026. Lists for 2027 can change; your quote shows the current plans.
Health First sold in only 5 Florida counties in 2026, and Orange was one. Cigna sold only EPO plans here. Florida Blue was the only company with PPO and POS plans, and the rest were HMOs. Health First and Wellpoint both had Catastrophic plans, and Platinum came from Florida Blue and AvMed.
AdventHealth and Orlando Health
Orlando Health is a hospital system, not an insurance company, and the same goes for AdventHealth. They are the two big names here, with AdventHealth Orlando and Orlando Regional Medical Center among their best-known hospitals. Which plans have them in network depends on the plan and the year. Check each plan's directory for your hospital and doctors, or ask a licensed agent to look with you.
Prices in Orange County
The table shows UnitedHealthcare Health ProtectorGuard (HPG) prices at age 40 in Orange County, which match every other Florida county we quoted. ACA prices depend on your income, so the quote shows them with your tax credit already subtracted.
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 32801.
ACA Marketplace
ACA prices depend on your income and age. Run the form to see your exact prices with your tax credit.
Some park and restaurant workers ask about HPG because they can apply any month. Know what you're getting: it's fixed indemnity, paying set amounts like $300 per ER day on Select 2000. There's no out-of-pocket maximum, it isn't minimum essential coverage, health questions apply and it doesn't cover counseling the way ACA plans do. See cheap health insurance in Florida for the honest trade-offs.
Orange County ZIP codes
We have 49 Orange County ZIP codes on file. A few near the county line also touch a neighboring county, and the quote asks which one you live in.
ZIP codes in Orange County. If yours spans two counties, the form asks which one.
32703327093271232751327573276832776327893279232798328013280332804328053280632807328083280932810328113281232814328163281732818328193282032821328223282432825328263282732828328293283032831328323283332835328363283732839347343474734760347613478634787
2027 Open Enrollment in Orlando
Open Enrollment for 2027 runs November 1, 2026 to January 15, 2027. Enroll by December 15 and coverage starts January 1. After January 15 you need a qualifying life event.
- 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
This site isn't HealthCare.gov. You compare here, then finish the Marketplace application on HealthSherpa, a private site connected to the federal Marketplace. Live south of Orlando? See Osceola County, or browse all Florida counties.
Common questions
Which companies sell Obamacare plans in Orange County, Florida?
In 2026: Florida Blue, Ambetter Health, Molina Healthcare, Oscar Health, UnitedHealthcare, Health First, AvMed, Wellpoint, AmeriHealth Caritas Next and Cigna Healthcare. That's 10 companies and 208 plans.
Is Orlando Health an insurance plan?
No. Orlando Health is a hospital system, like AdventHealth. You buy a plan from an insurance company and then check whether those hospitals are in its network.
My hours at work change every week. How do I estimate income?
Use what you expect to earn for all of 2027, including tips. If it ends up higher or lower, update the Marketplace during the year so your credit stays close.
I just moved to Orlando from Puerto Rico. Can I enroll now?
Moving to a new area can open a Special Enrollment Period, usually 60 days. Run a quote and the application will ask about your move.
Is there a Catastrophic plan in Orange County?
In 2026, Health First and Wellpoint both sold one here. Catastrophic plans are for people under 30 or with a hardship exemption.