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Central Florida · Florida

Affordable Healthcare in Central Florida

Orlando, Kissimmee, Sanford, Clermont, The Villages and Ocala. Theme parks, hotels and restaurants, fast-growing suburbs and a large retirement community.

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Answer 6 quick questions to see what Direct Primary Care plus health sharing could cost your household.

Buying your own plan in Central Florida

Central Florida's economy runs on tourism and hospitality, and a lot of that work is part-time, seasonal, tipped or contract. Those jobs often come without a health plan, and the tax credit on a Marketplace plan moves with your income.

Orlando also has some of the strongest search interest in Florida for direct primary care: about 210 searches a month from inside the state, more than Tampa. Many people here already know they want a doctor they can reach without a copay.

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Cities we help in Central Florida

  • Orlando · Orange County
    Home to AdventHealth Orlando and Orlando Health Orlando Regional Medical Center, two of the state's largest hospitals.
  • Kissimmee · Osceola County seat
    Close to the parks; many residents work in hospitality and tourism.
  • Sanford and Lake Mary · Seminole County
    North of Orlando, with hospitals of both Orlando systems nearby.
  • Clermont · Lake County
    Fast-growing west suburb with a hospital in town.
  • The Villages · Sumter, Lake and Marion counties
    One of the largest retirement communities in the country; UF Health has a hospital here.
  • Ocala · Marion County seat
    Horse country, with its own hospitals and Gainesville for specialists.

Don't see your town? We help anywhere in Florida. Tell us where you are.

TampaSt. PetersburgClearwaterLakelandOrlandoKissimmeeThe VillagesOcalaMiamiFort LauderdaleBoca RatonWest Palm BeachSarasotaFort MyersNaplesJacksonvilleSt. AugustineGainesvillePensacolaDestinPanama CityTallahasseeDaytona BeachMelbournePort St. Lucie

Outline simplified. This region is highlighted; tap another region's city to open its guide.

Hospitality, gig and seasonal income

When income changes from month to month, so can your Marketplace tax credit, and you settle up at tax time. Health sharing and a primary care membership cost the same every month whatever you earn, and you can start on the first of any month.

The trade-off is real: health sharing isn't insurance, it phases in pre-existing conditions, and it doesn't share pregnancy unless the due date is at least nine months after you join. If a large tax credit makes a Marketplace plan cheap for you, that usually wins.

Retirees in The Villages who are already on Medicare don't need anything here except perhaps a dental savings plan. Those still under 65 are a different story; see our early retiree guide.

Who it fits here, and who should stay on insurance

Usually a good fit: healthy individuals and families who buy their own plan, self-employed people, early retirees under 65, and households whose income is too high for much Marketplace help.

Usually better on insurance: anyone who qualifies for Florida Medicaid, anyone with a serious ongoing condition who needs it paid for in year one, anyone planning a pregnancy in the next nine months, anyone who needs regular mental-health therapy, and anyone whose tax credit makes an ACA plan cheap.

In this region specifically: If you can get a plan through one of Orlando's large employers, compare it first. Many of them offer benefits even to part-time staff.

Not sure which side you're on? Tell us about your household or call (727) 761-1715.

Illustrative example · October 2026

Orlando hotel couple, oldest 34

$426.28 /month

Member + spouse, oldest member 30–39, $2,500 Initial Unshareable Amount per Need, non-tobacco. Combined medical cost sharing + virtual primary care membership. Optional dental savings plan from $8.95/month. Not a quote; your amount depends on your household.

See the full price table →

Questions we hear from this region

Can I use AdventHealth or Orlando Health with health sharing?

Yes. There's no provider network, so you can use any licensed hospital or doctor. You pay as a self-pay patient up to your Initial Unshareable Amount, then submit eligible bills.

My hours change every month. Does that change the price?

No. The monthly amount is set by household size, the oldest member's age, tobacco use and your Initial Unshareable Amount, not income.

Is this health insurance?

No. Health care sharing and direct primary care are alternatives to insurance. Sharing is voluntary and not guaranteed, and it isn't Minimum Essential Coverage. Florida has no state penalty for going without insurance.

Other regions: Tampa Bay · South Florida · Southwest Florida · Northeast Florida · North Florida & the Panhandle · Space Coast & Treasure Coast

Read more: every option compared · what it costs · health sharing in Florida · direct primary care

Written and reviewed by Graham Kerswell. Last updated October 15, 2026. Facts and prices are checked against the sources named on this page.

Sources

Compare your options in Central Florida

Tell us who needs care and what you pay now. We'll walk you through the options, including when insurance is the better fit.

Get my optionsCall (727) 761-1715

Free, no obligation. Florida households only.

Health care sharing
Health care sharing ministries are not insurance and are not regulated as insurance. Sharing of medical expenses is voluntary and not guaranteed. Review each organization's guidelines for details, limitations, and state-specific notices.

Florida notice (§ 624.1265(3), Florida Statutes)
Florida law requires health care sharing organizations to give this notice with their applications and guidelines: “Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Membership is not offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant is compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.” Health care sharing is not Minimum Essential Coverage.

Direct primary care
Direct primary care is a membership with a primary care practice. Under Florida's direct health care agreement law (§ 624.27, Florida Statutes), these agreements are not health insurance and are not subject to the Florida Insurance Code. A DPC membership does not pay for specialists, hospital care or emergencies, and it is not Minimum Essential Coverage.

Discount plans
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. Florida disclosure (§ 636.212, Florida Statutes): The plan is not insurance. The plan provides discounts at certain health care providers for medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. Discount plan organization: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Discount plans are not ACA Qualified Health Plans.

How we're paid
We may receive compensation from some organizations we recommend. This does not change our evaluation of how they work. See our Referral Marketing Disclosure.

Not advice
This page is general information, not medical, legal, tax or financial advice. Prices are examples, not quotes; they depend on your household and can change. Affordable Healthcare Florida is not an insurance agency and does not sell insurance. We help individuals and families explore alternatives to insurance, including direct primary care, health care sharing and discount plans.