# Atlas Commons research objects — ACA marketplace coverage for Florida (2026) — context brief

Florida's ACA marketplace coverage from the CMS ACA Plan Attributes PUF, with each figure's epistemic status labeled: every plan count — medical plans, standalone dental plans, and breakdowns by metal level, plan type, HSA-eligibility, and referral requirement — is a measured census of plans offered (counts of rows in the CMS file, all labeled RECORDED); the sticker premium landscape by metal tier (40yo, pre-subsidy) is a recorded set of published CMS Rate PUF rates, with the subsidy note labeled CONTEXT; the boundary note is context (labeled CONTEXT) — these count plans offered and their sticker price, not enrollment, the insured rate, or net cost after subsidies. Sources: CMS ACA Plan Attributes PUF, CMS Marketplace Rate PUF. CC0.

Claims (warrant · source), each re-fetchable to verify:

- **2,119 ACA medical marketplace plans are offered in Florida for plan year 2026** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **Medical plan counts by CMS metal level in Florida (2026): Silver 1,127, Expanded Bronze 460, Gold 388, Platinum 100** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **Medical plan counts by CMS plan type in Florida (2026): HMO 1,665, EPO 222, POS 167, PPO 65** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **506 of 2,119 medical plans in Florida are HSA-eligible (2026)** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **1,232 of 2,119 medical plans in Florida require no specialist referral (2026)** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **82 standalone dental plans are offered in Florida for plan year 2026** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **STICKER ACA premiums in Florida for a 40-year-old (before tax credits): Silver median $789/mo** — DERIVED · CMS Marketplace Rate Public Use File (atlas-aggregated per tier) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **What the Florida premiums mean — sticker, not your price** — INTERPRETATION · Coverage Atlas framing (over the CMS Rate PUF figures above) (https://coverage-atlas.ryanjhunter.workers.dev/)
- **What these coverage figures are — and are NOT — for Florida (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the CMS facts above) (https://coverage-atlas.ryanjhunter.workers.dev/)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl.jsonld` · anatomy of the research object: see /commons/the-research-object

**Florida — every coverage indicator (typed)** (11): Medical plans offered — 2119 — RECORDED — CMS ACA Plan Attributes PUF (2026); Medical issuers — 16 — RECORDED — CMS ACA Plan Attributes PUF (2026); HSA-eligible medical plans — 506 — RECORDED — CMS ACA Plan Attributes PUF (2026)…
**Florida — medical plans by CMS metal level (RECORDED)** (6): Silver — 1127; Expanded Bronze — 460; Gold — 388…
**Florida — medical plans by CMS plan type (RECORDED)** (4): HMO — 1665; EPO — 222; POS — 167…
**Florida — medical plans by market coverage (RECORDED)** (2): Individual — 2199; SHOP (Small Group) — 2…
**Florida — sticker ACA premiums by metal tier (40yo, pre-subsidy, DERIVED)** (5): Catastrophic — 29 — 531 — 481 — 554 — 282 — 637; Bronze — 2491 — 657 — 582 — 756 — 427 — 1389; Silver — 2710 — 789 — 723 — 905 — 554 — 2203…
**Florida — issuers present on the marketplace (RECORDED)** (25): 22 Health; Ambetter Health; AmeriHealth Caritas Next…