If you’re looking to switch health plans...
Learn more about plans that prioritize your health.
Florida Blue is here to help.
If you need help exploring your options…
Health insurance can be confusing. Our dedicated agents can help explain how it works and find a plan that fits your needs.
If you’re coverage situation has changed …
Have you lost coverage or has your financial assistance changed? We can answer your questions and explain your health plan options.
Learn how a Special Enrollment Period works.
A Special Enrollment Period, or SEP, is a time period when people who have experienced certain life changes can switch health plans or enroll for the first time. A Florida Blue agent can find out if you’re eligible and help find the right plan.
Many life events can qualify you for an SEP, including:
- Losing your health coverage
- Losing your Medicaid
- Having a baby
- Adopting a child
- Getting married or divorced
- Moving to a new zip code
- Becoming a United States citizen
A Florida Blue agent can walk you through all of the qualifying life changes and tell you if you’re eligible to enroll now.
Here's what you need to know:
- Extra financial help has ended: The extra financial help that many had been getting ended December 31, 2025, and their monthly insurance costs could have gone 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 are now less opportunities to enroll in health insurance outside of the regular Open Enrollment Period. To qualify for a special enrollment period, you must have a qualifying life event to enroll or switch health plans.
Learn more about the changes impacting the Health Insurance Marketplace
Depending on your household income, you may qualify for a premium tax credit. An advanced premium tax credit will lower your monthly premium payment. A Florida Blue agent can help you determine if you qualify for this. With financial assistance, you could qualify for a Florida Blue health plan with low-cost monthly payments.1
Exclusive Florida Blue agents are specially trained to help you every step of the way, from determining if you qualify to enroll during an SEP to exploring plan options with the benefits you’re looking for.
Health insurance offers quality benefits and peace of mind. Having a health plan can reduce and limit how much money you spend to receive health care. Most plans include annual physicals, screenings, and immunizations. Some Florida Blue plans include doctor visits, labs, X-rays, and over 300 prescriptions, including insulin, for less than $10. Adult dental and vision coverage is also available on select plans.
Florida Blue works to keep health plans affordable. We have designed over 200 plans to fit a wide variety of budgets and lifestyles — some with low-cost payments,1 if you qualify. You can get additional savings with health-related discounts2 for everything from dental and vision products to gym memberships. We also offer no-cost preventive care3 on services, including annual checkups, immunizations, and screenings for some cancers.
The Health Insurance Marketplace offers affordable health plan options, especially for people previously uninsured due to their financial situation. There are no pre-existing conditions that will disqualify you. It’s a place you can find quality coverage options from Florida Blue.
For over 80 years, we’ve been serving the people of Florida. We offer:
- A large selection of doctors and specialists to choose from, including some with extended hours4
- Plans with doctor visits, labs, X-rays, and generic drugs for $10 or less
- Over 300 prescriptions, including insulin, for $10 or less
- Nationally recognized Customer Service Center of Excellence5
- Over 30 Florida Blue Centers in communities around the state: Get bill help, join fitness classes, and speak to our team in person
- $0 virtual visits 24/7 for most plans
- A member rewards program6 that can help you save on your monthly premium payments by completing healthy activities
- A discount program2 with savings on everyday health items like eyeglasses, gym memberships, baby products, and more
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.
3Many Florida Blue plans cover annual wellness checkups, including covered vaccinations, lab work, and screenings, for a $0 copay. During your checkup, if you need medical tests or treatments, prescriptions, or a referral, you may have a cost share. When scheduling your checkup with a new doctor for the first time, ask if you need a new patient visit before your checkup. If so, you may have a cost share for the new patient visit.
4An exclusive agent could help you find a doctor with extended weekend and evening hours.
5Florida Blue Contact Center achieved the Center of Excellence distinction based on best-practice metrics drawn from BenchmarkPortal’s database of objective and quantitative data that is audited and validated by researchers from BenchmarkPortal.
6Reward amounts available for individual ACA members 18 years or older. Reward amounts will apply to premiums and excess amounts may be redeemed subject to the reward program's terms and conditions.
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. 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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