Here's what you need to know:
- Extra financial help is ending: The extra financial help that many have been getting will end in 2025, and their monthly insurance costs could go up by a lot.
- Take extra steps to keep financial help: To keep getting financial help, you’ll need to take some extra steps when you enroll in a plan, including:
- Filing your 2024 taxes to show your income.
- Being prepared with all the right information to avoid delays.
- Be careful with income estimates: If you get more financial help than you should, you’ll have to pay back the extra amount before you can get help again.
- Fewer chances to enroll: There will be less opportunities to enroll in health insurance outside of the regular Open Enrollment Period. If you miss this window, you might have to wait until next year to get coverage.
Learn more about the changes impacting the Health Insurance Marketplace
For those buying On-Marketplace health plans, Open Enrollment started on November 1, 2025. To get coverage that begins January 1, 2026, you must enroll by December 15, 2025.
Open Enrollment for everyone ends on January 15, 2026. This may be your last chance to enroll for the year unless you qualify for a Special Enrollment Period (SEP).
We have a wide range of plans that fit many budgets. Our specially trained agents can help you find the one that works for your needs, and there’s never an extra cost to work with them. They can walk you through any government changes to the Health Insurance Marketplace and help you get the maximum amount of financial assistance you qualify for. Plus, all our plans include personalized care programs, special discounts,2 and more.
Take the stress out of enrollment. With some advance planning and a Florida Blue agent’s support, you’ll be covered in no time.
- File your 2024 taxes: Make sure you’ve filed your taxes and reconciled your tax credit using IRS Form 8962. This is required to get a tax credit starting in January 2026.
- Update your eligibility information: You’ll need to provide proof of your current income, such as a paystub, W-2, or 1040.
- Gather required documents: You’ll need to provide documents that show your:
- Household income
- Immigration status
- Citizenship confirmation
- Adoption, foster care placement, or court order confirmation (if applicable)
- Get personalized guidance: Book an appointment with a Florida Blue agent now.
- Select a plan by the deadline: Choose a plan and confirm your eligibility for a tax credit by the deadline to avoid any changes to your premium.
1To be eligible for a lower monthly cost, you must receive a Marketplace monthly advance premium tax credit that will assist in lowering the monthly payments.
2Blue365® offers access to savings on items that Florida Blue members may purchase directly from independent vendors. Blue365 does not include items covered under your policies with Florida Blue or any applicable federal health care program. Blue Cross and Blue Shield Association (BCBSA) and Florida Blue may receive payments from Blue365 vendors. Neither BCBSA nor Florida Blue recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. For more information about Blue365, go to floridablue.com/disclaimer/blue365.
Policies have limitations and exclusions. The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected.
Health insurance is offered by Blue Cross and Blue Shield of Florida, Inc. DBA Florida Blue and HMO coverage is offered by Health Options, Inc. DBA Florida Blue HMO. Both companies are Independent Licensees of the Blue Cross and Blue Shield Association.
We comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability or sex. You may access the Nondiscrimination and Accessibility notice here.
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