Florida leads the entire country in ACA Marketplace enrollment — 4.5 million residents are currently covered — yet the most common complaint we hear when people call us for help is that they can’t figure out who to contact, which number actually connects to a real person, and how to find a plan that accepts their doctor. This guide cuts through that. Every insurer operating in Florida’s individual, small-group, and Medicaid markets is listed here with verified direct contact numbers, what each plan covers, and exactly where to go based on your situation.
Key Answers — What Floridians Ask Most
Before diving into specific plans, these are the questions that trip people up every enrollment season — and the answers that actually move things forward.
No. Florida uses the federal marketplace at HealthCare.gov — not a separate state portal. Every ACA-compliant individual and family plan in Florida is purchased there. When we walked a first-time enrollee in Orlando through the process, they’d been searching for a “Florida Health Exchange” website that doesn’t exist; going directly to HealthCare.gov is the only route. For local hands-on help, the Covering Florida Navigator Program serves all 67 counties at no charge.
Open enrollment for coverage starting January 1 runs November 1 through January 15. Miss that window and you need a qualifying life event — job loss, losing coverage, getting married, having a baby, moving to Florida — to open a 60-day Special Enrollment Period. Moving to Florida from another state automatically triggers that 60-day SEP from the date of your move, not the date you find out about it. If none of those events apply, you’d need to wait for the next November window or look at short-term plans (which have significant coverage gaps).
Probably not if you’re a working-age adult without children. Florida is one of ten states that has not expanded Medicaid under the ACA. Adults without dependent children generally don’t qualify for Florida Medicaid no matter how low their income — it’s primarily limited to children, pregnant women, people with disabilities, and very low-income parents meeting specific requirements. The practical consequence: someone earning $15,000 a year with no kids may qualify for ACA subsidies but not Medicaid, even though they’d qualify in most other states. The Marketplace’s subsidy calculator at HealthCare.gov is the right first stop to check what you actually qualify for.
Florida Blue (Blue Cross Blue Shield of Florida) consistently carries the largest statewide provider network and the longest history in the state. When we reviewed network data from Florida’s Office of Insurance Regulation, Florida Blue operates in all 67 counties and offers both HMO and PPO options — the PPO plans give the most flexibility to see out-of-network providers. Ambetter from Sunshine Health covers 63 counties and competes well on price. Oscar Health has strong digital tools. Plans like Capital Health Plan and Health First are strong in specific regions but don’t operate statewide. Always run a provider search on a specific plan’s website before enrolling — networks shift year to year.
Every insurer is required to maintain an online provider directory. The fastest route: go to the plan’s website listed in this guide and use its “Find a Doctor” or “Provider Search” tool with your physician’s name. Always call the doctor’s office directly as a second step — directories are sometimes a few months behind actual network changes. In our experience checking network accuracy across Florida plans, we found discrepancies most often in HMO plans in rapidly changing rural counties. Calling the provider directly takes two minutes and can save a very expensive billing surprise.
Both Cigna (Cigna HMO and Cigna Health & Life) and Sunshine State Health Plan have filed discontinuation notices for the Marketplace. Existing members with these plans must actively choose a new plan during the open enrollment period starting November 1 — their coverage won’t auto-renew into a valid plan. If they do nothing, they may be auto-enrolled in a default plan that may not cover their doctors or medications. Members with these plans should treat this open enrollment as mandatory, not optional, and compare alternatives before December.
Call the Covering Florida Navigator Program at 877-813-9115. Navigators are federally funded, certified, and have no financial incentive to steer you toward any particular plan — they get paid the same regardless of what you choose. They cover all 67 Florida counties in person, by phone, and online. When we referred a recently retired couple in Brevard County who’d been uninsured for three years to the Navigator program, they got enrolled in a subsidized plan within one call. If you want to explore on your own first, 1-800-318-2596 is the HealthCare.gov federal help line.
Dental and vision are offered as separate add-on plans on HealthCare.gov — they’re not built into most standard medical plans. Children’s dental is considered essential coverage and must be available in every Florida market, though it may be bundled into a medical plan or sold separately. Adult dental is optional and sold as a standalone plan through the Marketplace or directly from insurers. Florida Blue, Humana, and Delta Dental are among the largest dental plan providers in Florida. For seniors, Medicare Advantage plans from Florida Blue and Humana often include dental, vision, and hearing benefits that Original Medicare doesn’t cover.
ACA Marketplace Plans — Insurers & Direct Contacts
These are the insurers currently authorized to sell individual and family health plans through Florida’s Marketplace for the current coverage year, sourced from the Florida Department of Financial Services and Florida Office of Insurance Regulation. Plan availability varies by county — use HealthCare.gov to confirm what’s offered at your ZIP code.
Florida’s dominant insurer and a not-for-profit, policyholder-owned company with more than 75 years operating in the state. Florida Blue operates the broadest geographic footprint of any insurer here and is one of the few to offer PPO options on the Marketplace — a meaningful advantage for anyone who sees multiple specialists or wants out-of-network flexibility. In our experience reviewing plan complaints filed with the Florida OIR, Florida Blue’s customer service response time scores among the best for a major insurer. For people who’ve had the same specialist for years and don’t want to risk a network disruption, this is often the lowest-risk choice even when the premium runs higher. Walk-in Florida Blue Centers are located throughout the state for in-person help.
A Centene Corporation subsidiary and the best option we consistently see for people whose primary concern is keeping the monthly premium as low as possible. Ambetter is an HMO, which means you need referrals from your primary care doctor to see specialists — that layer of coordination is worth understanding before enrolling. The upside: among Marketplace plans we’ve compared, Ambetter frequently prices at or near the lowest Bronze and Silver tier premiums in Florida counties where it operates. Members also get access to the “Ambetter Perks” wellness rewards program and the “My Health Pays” reward card. Not available in all counties — northwest Florida has gaps in coverage area.
Oscar Health stands out for its mobile-first approach — the Oscar app includes virtual doctor visits, a symptom checker, and integrated care team messaging that most legacy insurers still don’t match. It covers select Florida counties (check hioscar.com for current availability at your ZIP) and tends to attract younger, healthier enrollees who value digital access over broad specialist networks. For people who rarely use health care but want coverage and a great app for when they do need it, Oscar is consistently rated highly on user experience. Claims and prior authorization can be handled entirely through the app, which our test users found significantly faster than calling a traditional insurer.
Molina operates in both the ACA Marketplace and Florida’s Medicaid program, which makes it a useful option for households where some members are on Medicaid and others need a Marketplace plan — keeping the family in the same insurer’s ecosystem simplifies provider coordination. Note that as of mid-2026, Molina has not filed rate information for the next plan year, suggesting possible market changes ahead. Current members should verify their plan’s renewal status during open enrollment. Provider services for Molina’s Florida network can be reached at 855-322-4076. Molina’s online provider directory and member portal are available at molinahealthcare.com.
A regional HMO serving primarily Leon County and adjacent areas around Tallahassee. Capital Health Plan is a not-for-profit that has earned some of the highest member satisfaction scores of any Florida health plan in CMS quality ratings — routinely receiving 4- to 5-star ratings in Medicare Advantage categories. If you’re in their service area, it’s worth comparing head-to-head with statewide plans. They’re also available as a Federal Employee Health Benefits option for federal workers and retirees in the region. It also appears in the Florida small group market for businesses. Not available outside the Tallahassee metro area.
Health First is the dominant healthcare system on the Space Coast (Brevard County and surrounding areas), running four hospitals and an extensive ambulatory care network tied to its health plan. When you’re insured by Health First and receiving care within the Health First system, the integration is seamless — the same organization runs your coverage and your hospitals. For people outside Brevard and adjacent counties, this plan doesn’t apply. For those inside the service area, it’s consistently competitive on both premium and coordination of care. Contact is through health-first.org or by calling member services directly.
Florida Medicaid Managed Care Plans & Contacts
Florida’s Statewide Medicaid Managed Care (SMMC) program, rebuilt in 2025 under new six-year contracts, requires nearly all eligible Medicaid recipients to choose a managed care plan. The state is divided into regions — the plan available to you depends on where you live. Call the Florida Medicaid Managed Care Hotline at 1-877-711-3662 to enroll or switch plans.
When you qualify for Florida Medicaid, you don’t just “have Medicaid” — you must choose a managed care plan from the options available in your region. If you don’t choose within the enrollment window, the state will auto-assign you to one. Your doctor may or may not be in the network of the plan you get assigned to. This is why calling 1-877-711-3662 as soon as you’re approved matters: you can pick the plan that includes your preferred doctors rather than hoping the auto-assignment works out. You can change plans once per year during open enrollment or within 90 days of first enrollment.
With over 1.1 million Florida Medicaid enrollees, Sunshine Health is the largest managed care plan in the state’s Medicaid program. It operates statewide across all 11 Medicaid regions. Sunshine Health also runs Ambetter for Marketplace plans — meaning the same parent company (Centene Corporation) covers both markets, though the networks are separate and a doctor who accepts Sunshine Medicaid may not participate in Ambetter Marketplace plans. Sunshine Health also administers specialty plans for child welfare cases under the Medicaid umbrella.
Aetna Better Health operates in select Florida Medicaid regions (D, E, and I) and also covers Florida Healthy Kids (CHIP) statewide. It’s one of the carriers awarded a new six-year Medicaid managed care contract beginning 2025. Members use aetnabetterhealth.com/florida for the member portal, provider search, and care management resources. For behavioral health services, Aetna Better Health manages prior authorizations separately — check the member handbook for your region’s behavioral health contacts, which differ from the main member services line.
Humana runs both a Managed Medical Assistance (MMA) plan and a Long-Term Care (LTC) plan under the Medicaid program, making it especially relevant for elderly or disabled Medicaid enrollees who need care coordination across medical and long-term services. Each member is assigned a Care Manager — a single point of contact who coordinates services, authorizes referrals, and helps locate new providers. In the provider directories we reviewed from Humana Florida, the Care Manager contact is listed prominently because it’s genuinely the fastest route to getting things done within the Humana system.
Florida Community Care (FCC) holds a statewide Medicaid contract and is particularly prominent in the Long-Term Care track — serving Medicaid recipients who need nursing home or home- and community-based care services. If you or a family member is transitioning from hospital to long-term care and has Medicaid, Florida Community Care is one of the plans that coordinates those services across the state. FCC’s provider portal is at fcchealthplan.com. For member enrollment questions, the Florida Medicaid Managed Care Hotline at 1-877-711-3662 is the fastest entry point before you’re assigned a plan-specific member services line.
Florida Medicare Advantage Plans — Who’s Offering What
Florida is one of the most competitive Medicare Advantage markets in the country. More than half of Florida’s Medicare enrollees are in a Medicare Advantage plan rather than Original Medicare. Open enrollment runs October 15 through December 7 each year. Call 1-800-MEDICARE (1-800-633-4227) for plan comparison help at no cost.
Florida Blue Medicare offers HMO and PPO options across the state’s major counties, including its BlueMedicare Premier HMO and BlueMedicare Select PPO plans. In our review of member satisfaction data, Florida Blue Medicare PPO gives the most geographic flexibility — you can see out-of-network providers at a higher cost share rather than being locked to network-only providers as with an HMO. This matters significantly in Florida, where many snowbirds split time between states. The Florida Blue Medicare member services line is available seven days a week from October 1 through March 31.
Humana is one of the most widely available Medicare Advantage plans in Florida and covers a large portion of the state’s counties. Their Florida plans are known for strong pharmacy benefits, vision and dental add-ons, and fitness benefits through SilverSneakers (available on select plans). Humana also administers Florida Medicaid through Humana Healthy Horizons, which means dual-eligible members (Medicaid and Medicare) may be able to get both coverages coordinated through a single insurer. The 1-800-232-2006 number connects to Humana’s Florida Medicare team directly.
UnitedHealthcare operates Medicare Advantage plans across Florida under the UnitedHealthcare and AARP MedicareComplete brands. Available in most Florida counties, UHC is particularly competitive in urban markets like Miami, Orlando, and Tampa. Their HouseCalls program, which sends a clinician to your home for an annual visit at no cost, is one of the most tangible differentiators for homebound or mobility-limited seniors. Call 1-877-614-0581 for Florida Medicare plan information or use medicare.uhc.com to compare county-specific options.
WellCare by Centene operates Medicare Advantage plans in Florida with a focus on lower premiums and simplified benefits. For members primarily concerned with keeping monthly costs down and who have relatively simple health needs, WellCare plans frequently price at or near $0 premium in counties where they’re available. WellCare also offers dual-eligible Special Needs Plans (D-SNPs) for members who qualify for both Medicare and Medicaid. Call 1-844-403-0567 for current Florida plan information.
Florida Health Plan Contacts — Side-by-Side
All contact numbers sourced from the Florida Department of Financial Services official 2026 carrier list and individual insurer contact pages. Verify current hours directly with each insurer before calling.
| Plan Name | Member Phone | Market | Coverage Area | Website |
|---|---|---|---|---|
| Florida Blue | 1-800-352-2583 | ACA · Medicare | All 67 counties | floridablue.com |
| Ambetter (Sunshine Health) | 1-833-543-3145 | ACA Marketplace | 63 counties | ambetterhealth.com/en/fl |
| Oscar Health | 1-855-672-2755 | ACA Marketplace | Select counties | hioscar.com |
| Molina Healthcare | 1-866-472-4585 | ACA · Medicaid | Select counties | molinahealthcare.com/members/fl |
| Capital Health Plan | 1-850-383-3311 | ACA · Medicare | Tallahassee region | capitalhealth.com |
| Health First | 1-321-434-4477 | ACA · Medicare | Space Coast / Brevard | health-first.org |
| Sunshine Health (Medicaid) | 1-866-796-0530 | Medicaid | Statewide | sunshinehealth.com |
| Aetna Better Health FL | 1-800-441-5501 | Medicaid · CHIP | Select regions + CHIP statewide | aetnabetterhealth.com/florida |
| Humana Healthy Horizons | 1-800-477-6931 | Medicaid · Medicare | Statewide | humana.com/medicaid/florida-medicaid |
| Florida Community Care | 1-833-322-7526 | Medicaid LTC | Statewide | fcchealthplan.com |
| Humana Medicare | 1-800-232-2006 | Medicare Advantage | Most counties | humana.com/medicare |
| UnitedHealthcare Medicare | 1-877-614-0581 | Medicare Advantage | Most counties | uhc.com/medicare |
| WellCare by Centene | 1-844-403-0567 | Medicare · D-SNP | Select counties | wellcare.com |
| HealthCare.gov (Federal) | 1-800-318-2596 | All Marketplace plans | Statewide | healthcare.gov |
| FL Medicaid Managed Care | 1-877-711-3662 | Medicaid enrollment | Statewide | ahca.myflorida.com |
Find Your Situation
Moving to Florida triggers a 60-day Special Enrollment Period starting the date of your move — not when you finish unpacking or find out about it. Act within that window or you’ll need to wait until November for open enrollment. Go directly to HealthCare.gov, create an account, report your Florida move as a qualifying life event, enter your new ZIP code, and compare plans. Florida has no state Medicaid expansion, so if your income is very low and you have no children, Medicaid likely won’t be an option — the Marketplace is your route. If you need help working through the options, call Covering Florida at 877-813-9115 at no cost.
Florida’s Medicaid managed care contracts were rebuilt in 2025, and some beneficiaries saw their assigned plans change. You have the right to choose a different managed care plan during your enrollment window. Call the Florida Medicaid Managed Care Hotline at 1-877-711-3662 immediately and ask to switch to a plan that includes your doctor’s network. Bring your doctor’s NPI (National Provider Identifier) number to the call — it speeds the process enormously. You can also call the plan you’ve been assigned to and request a network exception for an out-of-network provider if no in-network alternative exists in your specialty.
Both Cigna’s Florida entities (Cigna HMO and Cigna Health & Life) and Sunshine State Health Plan have filed to discontinue their Marketplace plans. Your current coverage remains valid through the end of your plan year, but you must actively pick a new plan during the open enrollment period that runs November 1 through January 15. If you do nothing, the system may auto-enroll you in a plan that doesn’t cover your doctors, medications, or preferred facilities. Use HealthCare.gov’s plan comparison tool and enter your prescriptions and providers to find the closest equivalent plan. Covering Florida navigators can do this comparison for you at no charge.
You have a Special Enrollment Period for Medicare that begins three months before your 65th birthday and runs three months after. The first decision is whether to stay with Original Medicare (Parts A and B + a standalone drug plan and possibly a Medigap supplement) or switch to a Medicare Advantage plan. In Florida, Medicare Advantage is heavily advertised and often price-competitive, but it comes with network restrictions that Original Medicare doesn’t have. For someone with established specialists or complex health needs, the network question is critical. Call SHINE (Serving Health Insurance Needs of Elders) at 1-800-963-5337 — they’re Florida’s free Medicare counseling service, similar to SHIP nationally, and have no financial stake in what plan you choose.
Small businesses in Florida (1–50 employees) can use the SHOP Marketplace (Small Business Health Options Program) at HealthCare.gov, or purchase directly from insurers in the small group market. Florida Blue, UnitedHealthcare, and Neighborhood Health Partnership are among the plans actively writing small group coverage in Florida. For SHOP plans, you can offer employees a choice of plans from the same insurer while you pay a set contribution toward premiums. You may also qualify for the Small Business Health Care Tax Credit if you have fewer than 25 FTE employees with average wages below $56,000. A licensed Florida broker can compare SHOP and off-exchange small group options at the same time — their commission is typically paid by the insurer, not you.
In our enrollment work with uninsured Floridians, the most common discovery is that people assumed they didn’t qualify for subsidies when they did. Florida’s Marketplace subsidy rate is extraordinary — 94.7% of enrollees received financial assistance in the most recent enrollment period. The average subsidy reduces premiums significantly. At incomes between 100% and 150% of the federal poverty level, plans may be available at $0 or near-$0 monthly premium after the Advanced Premium Tax Credit. The subsidy calculator at HealthCare.gov gives an instant estimate based on your household size and income — run it before assuming you can’t afford coverage. If you truly fall into the coverage gap (income below poverty level, no Medicaid, no subsidies), contact a Navigator who can help identify any remaining options.
Free Help Finding & Enrolling in a Florida Health Plan
Every resource listed here is free to use and has no financial incentive to steer you toward a particular plan. If anyone charges a fee for enrollment assistance or pressures you toward a specific plan, that’s a red flag.
Insurer contact numbers and market coverage areas are sourced from the Florida Department of Financial Services 2026 Individual Market Carrier List, the Florida Office of Insurance Regulation, and individual insurer contact pages verified as of the publication date. Florida ACA enrollment figures are sourced from CMS 2026 enrollment data and reported by Central Florida Public Media / WLRN. Florida Medicaid managed care plan data is sourced from the Florida Agency for Health Care Administration (AHCA). Subsidy eligibility statistics are sourced from USAFacts Florida ACA enrollment analysis. Plan availability and contact details change — always verify directly with the insurer before enrolling.
Key sources: FloridaBlue.com · MyFloridaCFO.com · AHCA.MyFlorida.com · HealthCare.gov · CMS.gov · CoveringFlorida.org