Losing health coverage in Orange County, Florida

At 13.5%, the uninsured rate among under-65 residents in Orange County is effectively the Florida average of 13.7% — about 173,567 people out of 1,281,296. It is the 32nd lowest of the 67 counties in Florida. A county sitting on its state's average is the most ordinary case there is, which makes the state's own rules the thing worth reading rather than anything local.

What you can actually buy here

12 insurers sell into Orange County — among the most competitive individual markets in the country. That much competition holds premiums down, and it produces a plan list long enough that choosing at random is a genuine risk. Narrowing by hospital system first is the only reliable way through it. Between them they offer 208 plans, about 17 for each insurer. A list that long is not more choice in any useful sense — it is the same handful of networks sliced into metal levels and deductible variants. The count is unchanged from last year, so the networks you compared previously still stand.

399,974 people in Orange County bought their own coverage for 2026 — 312 for every thousand under-65 residents. That is heavy reliance on the individual market by any standard, and it usually reflects an economy built on small employers, seasonal work or self-employment rather than large firms with benefits departments. 64,476 of them were new consumers and 335,498 were renewals — a 16% new share, close to the national pattern. Roughly one in six enrollees here arrived within the year.

Common questions