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How do I get health insurance in Florida before Medicare?

If your coverage does not come through a job, buy a plan through the federal Health Insurance Marketplace, at HealthCare.gov or by phone at 1-800-318-2596.

Florida uses the federal marketplace rather than running its own, and the TTY line is 1-855-889-4325. Moving to Florida lets you sign up outside the yearly open enrollment: you have 60 days from the move to choose a plan, as long as you had qualifying health coverage for at least one day in the 60 days before the move, unless you are moving from a foreign country or a U.S. territory. Without a move or another qualifying change in your life, you apply in open enrollment; starting November 1, you can apply for 2027 coverage. Questions about Medicare, including when yours starts, go to SHINE, the state's free counseling program, at 1-800-963-5337.

Where to go from here.

Generated image of a volunteer counselor going through papers with a retired man at a table in a bright community center.01

Where can I get free help with Medicare in Florida?

From SHINE, Serving Health Insurance Needs of Elders, a free program of the Florida Department of Elder Affairs and the local Area Agencies on Aging.

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Generated image of an older couple unpacking moving boxes in the bright living room of a Florida home, with a screened porch and palm trees behind them.02

How do I move my Medicare to Florida?

Original Medicare comes with you: you can see any doctor or hospital that takes Medicare, anywhere in the U.S., so there is nothing to move.

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The Florida Welcomes You sign at the Florida Welcome Center near Jennings.03

What do I have to do after I move to Florida?

The state starts the clock on the day you establish residency, and two deadlines come first.

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More questions like this.

What time can you buy alcohol in Florida?

It depends on the county or city. State law sets the default: no alcohol may be sold or served between midnight and 7 a.m., unless a county or city ordinance says otherwise, and many do.

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