Individual Health Insurance Under Age 65
Overview Of Florida's Exchange
In Florida, the federal health insurance exchange operates via HealthCare.gov. There are fourteen carriers in the state’s Marketplace for 2023. Bright Health stopped offering coverage after 2022, while AmeriHealth Caritas joined in 2023. Initially, Oscar plans for 2023 were available, but new enrollments were halted on December 12, 2022.
Existing Oscar members before that date can keep their coverage for 2023, with automatic renewal unless they choose a different plan. In 2022, Florida had the highest enrollment with 2,723,094 individuals signing up through HealthCare.gov. The state’s open enrollment lasts from November 1 to January 15, allowing special enrollment outside this window for specific cases. Native Americans and those with income below 150% of the poverty level also have exceptions. For more details, refer to our comprehensive guides on open and special enrollment.
- AvMed
- AmeriHealth Caritas (introduced in 2023)
- Blue Cross Blue Shield of Florida (Florida Blue)
- Capital Health Plan
- Ambetter/Celtic
- Cigna
- Aetna CVS Health/Coventry Health Plan of Florida
- Florida Health Care Plan Inc
- Health First Health Plans
- Molina
- Oscar Health (Enrollment for 2023 coverage ceased after December 12, 2022; however, those who enrolled by the deadline are entitled to retain their Oscar coverage for 2023. Existing Oscar plans will also automatically renew for 2023, unless the enrollee opts for a different plan. Notably, Oscar observed substantial enrollment in the early stages of open enrollment, with enrollees transitioning from Bright to Oscar. To sustain an optimal level of enrollment, Oscar temporarily suspended new enrollments for 2023.)
- Florida Blue HMO (Health Options)
- Sunshine State Health Plan (affiliated with Ambetter)
- UnitedHealthcare