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Serving Gainesville, FL

Health Insurance in Gainesville, FL

Plans from many carriers, side by side. We find the one that fits you, your family or your business in Gainesville.

Our office: 2665 South Bayshore Drive, Suite 220-91, Miami, FL 33133. Call us or book a time.

Gainesville at a glance

People in Gainesville
145,702
Census ACS 2020 to 2024
Have no health insurance
7.4%
Alachua: 7.4%. Florida: 11.5%.
Buy their own coverage
14.2%
Individual plans only, no job-based or public coverage. Florida: 11.1%.
Marketplace sign-ups for 2026
11,442
In ZIP codes 32601, 32603, 32605, 32609, 32610, 32612 and 1 more. 91.7% got a tax credit.

Among adults 19 to 64 in Gainesville, 9.3% have no health insurance. In Florida it is 16.8%.

Marketplace plans for Gainesville in 2026

Plans and prices are set by county. 4 insurance companies offer 101 plans in Alachua County.

Lowest monthly premium for a 40-year-old, before tax credits. Source: CMS plan data, plan year 2026.
Metal tierPlansLowest premium
Bronze32$546.49
Silver38$693.99
Gold20$724.42
Platinum11$1,132.54

Your price depends on your age, income, household and plan. We run the numbers with you.

ZIP codes we serve in Gainesville

Marketplace sign-ups for 2026, by ZIP code.

ZIP codeSign-upsGot a tax credit
326013,10894%
3260351896.3%
326052,71791.6%
326093,58393.8%
32610130n/a
3261237n/a
326531,34990.7%

Census ZIP code areas mostly inside Gainesville or covering a large part of it. Some reach into nearby areas. CMS does not publish very small counts. Source: CMS 2026 Open Enrollment ZIP-level file.

Hospitals near Gainesville

The closest general hospitals with an emergency department, measured from the center of Gainesville.

  • HCA Florida North Florida Hospital

    Gainesville, FL 32605. Acute care hospital, emergency department. About 2 miles away.

  • UF Health Shands Hospital

    Gainesville, FL 32610. Acute care hospital, emergency department. About 3 miles away.

  • Lake Butler Hospital

    Lake Butler, FL 32054. Critical access hospital, emergency department. About 25 miles away.

  • AdventHealth Ocala

    Ocala, FL 34474. Acute care hospital, emergency department. About 37 miles away.

Networks differ by plan. Before you enroll, we check that your doctors and hospital are in the network. Source: CMS Care Compare. Distances are straight-line and approximate.

More coverage in Gainesville

Health insurance questions in Gainesville

How many people in Gainesville have a Marketplace plan?

11,442 people in the 7 ZIP codes of Gainesville picked a HealthCare.gov plan for 2026, according to CMS. 91.7% of them got a tax credit.

How many insurance companies sell Marketplace plans in Gainesville?

4 for 2026: Ambetter Health, AvMed, Florida Blue and Oscar Health. Together they offer 101 plans in Alachua County, according to CMS.

What does the lowest cost Marketplace plan cost in Gainesville?

For a 40-year-old in Alachua County, the lowest 2026 premium before tax credits is $546.49 a month for bronze and $693.99 for silver. 92.9% of Alachua enrollees got a tax credit for 2026, which lowers what they pay.

When can I sign up for health insurance in Gainesville?

Open Enrollment for 2027 plans runs November 1, 2026 to January 15, 2027. Sign up by December 15, 2026 for coverage that starts January 1. Outside that window you need a qualifying life event, like losing coverage, marriage, a baby or a move.

Which hospitals are closest to Gainesville?

HCA Florida North Florida Hospital (Gainesville), UF Health Shands Hospital (Gainesville), Lake Butler Hospital (Lake Butler) and AdventHealth Ocala (Ocala). Networks differ by plan, so we check your hospital before you enroll.

Is the uninsured rate in Gainesville high?

7.4% of Gainesville residents have no health insurance, lower than the Florida rate of 11.5%. Source: Census Bureau, American Community Survey 2020 to 2024.

Sources

Figures compiled 2026-10-09. Plan counts and premiums are for plans sold on HealthCare.gov.

Nearby areas we serve

Health insurance in Gainesville

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