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Individual Market Carrier List


For policies effective on or after January 1, 2024

AFFORDABLE CARE ACT (ACA)

The following are lists of insurers and Health Maintenance Organizations (HMO) who advised the Florida Department of Financial Services, Office of Insurance Regulation that they are marketing individual health insurance plans under the ACA beginning January 1, 2024. The plans offered by these companies may be available on the Marketplace, off the Exchange, or both.

You should visit the federal Marketplace website at www.healthcare.gov to determine what plans are available in your zip code. If you are not eligible for Advanced Premium Tax Credits (APTC) or do not wish to take advantage of the tax credit, you can purchase a plan directly from an insurer or HMO off the Exchange by contacting the company or an agent directly.

The open enrollment period for 2024 coverage is from November 1, 2023, through January 16, 2024. Policies purchased or changed on or before December 15 will be effective January 1. New plans and changes to existing plans made between December 16 and January 15 will be effective February 1. Coverage must be purchased during this time period unless you qualify for a Special Enrollment Period. All coverage is guaranteed issue regardless of health history and there is no pre-existing condition waiting period. For more information about the ACA, please review our Health Care Reform webpage or contact the Department of Financial Services, Consumer Services Division at 1-877-MY-FL-CFO (1-877-693-5236) within Florida or directly at 850-413-3089.

For more details about whether a company sells on and/or off the Marketplace, the counties each company is available in, as well as the metal level plans the companies are offering, visit the Office of Insurance Regulation (OIR) website at http://www.floir.com/Sections/LandH/FederalHCReform.aspx.

Company Name

Phone Number

Website

Catastrophic Plan?

Blue Cross and Blue Shield of Florida dba Florida Blue

1-800-955-2227 or visit a Florida Blue Center

www.floridablue.com
www.floridablue.com/center/

No

Celtic Insurance Company

1-800-779-7989

www.celticinsurancecompany.com

No

CIGNA Health and Life Insurance Company

1-866-438-2446

www.cigna.com/individuals-families/

No

Oscar Insurance Company of Florida

1-855-672-2755

www.hioscar.com

Yes

Updated: 11/2023

HEALTH MAINTENANCE ORGANIZATIONS AFFORDABLE CARE ACT (ACA)

The following is a list of Health Maintenance Organizations (HMO) that have advised the Florida Department of Financial Services, Office of Insurance Regulation that they are marketing individual HMO contracts under the ACA beginning January 1, 2024. The plans offered by these HMOs may be available on the Marketplace, off the exchange, or both. You must live in the HMO's approved geographic area to be eligible for the plan.

Company Name

Phone Number

Website

Catastrophic Plan?

Aetna Health, Inc.1-844-365-7373www.aetnacvshealth.comNo

AmeriHealth Caritas Florida

1-855-355-9800
(TTY 1-855-358-5856)

 

www.aerihealthcaritasfl.com

No

Av-Med, Inc.

1-800-477-8768

www.avmed.org

No

Capital Health Plan, Inc.

1-877-247-6512

www.capitalhealth.com

No

 

Florida Health Care Plan, Inc.

1-800-352-9824

Ask for Marketing

www.fhcp.com

Yes

Health First Commercial Plans, Inc.

1-877-904-4914

www.health-first.org

Yes

Health Options, Inc. dba Florida Blue

1-800-633-6808 or visit a Florida Blue Center

www.floridablue.com 
www.floridablue.com/center/

No

Molina Healthcare of Florida

1-888-560-5716

www.molinahealthcare.com

No

Sunshine State Health Plan, Inc.

1-800-779-7989

www.sunshinehealth.com

No

UnitedHealthcare of Florida, Inc.

1-888-200-0405

www.myuhc.com/exchange

No

Updated:11/2023