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April 28, 2025

In the world of health insurance, not all companies are created equal. While most for-profit insurers prioritize shareholder earnings, Florida Blue operates under a unique model that puts members first. As part of a not-for-profit mutual holding company, we're owned by our policyholders, not shareholders. This structure allows us to focus on our primary goal: providing high-quality, affordable health insurance to our members, rather than generating profits for investors.

Our mission is to help people and communities achieve better health. So, we're not just an insurance company; we're a force for good, investing in the communities we serve and driving transformative change in the health care system.

Operating on slim, single-digit margins, we reinvest in ways that benefit our members, rather than make money for investors. Any surplus we generate is used to:

  • Ensure our members are able to get high-quality, affordable care
  • Donate to communities, supporting initiatives that help improve health and well-being
  • Safeguard our financial stability, to pay for claims now and in the future

So, unlike for-profit insurers, we don't distribute surplus funds as dividends to shareholders. Instead, we use them to benefit our members, whether it's by improving our plans, expanding our services, or investing in community programs. This approach has a direct impact on our members, who can trust that their health insurance company is working in their best interests, not just to maximize profits for others.

As a policyholder-owned company, we’re uniquely positioned to addressing the complex challenges facing the health care system. We’re committed to driving solutions that make health care better. Whether it's advocating for affordable and accessible care, investing in community programs, or developing health education and literacy efforts, we're making a positive impact on the lives of our members and the communities we serve.

In short, the Florida Blue difference is all about putting people over profits. We're not just an insurance company; we're a partner in our members' health journeys, working tirelessly to ensure they receive the care they need to thrive. By choosing Florida Blue, our members can trust that they're part of a community that's committed to their well-being, and that's a difference that truly matters.