Finding the right Florida Blue plan for you
A Florida Blue agent can answer your questions and help you look for a new plan that's right for you.
Open Enrollment is here. Our agents can help you find a plan that fits your health needs with benefits like:
- Low-cost monthly plan payments,1 if you qualify
- Doctor visits and labs for less than $10
- Large network of doctors and hospitals
What do you need help with?
We're here to help make changing health plans easier
Every Florida Blue plan offers the strength of the Blue Cross Blue Shield network, which covers all 67 counties throughout the state. Our plans also provide several valuable benefits, including:
- Access to one of the broadest networks of doctors, specialists, and hospitals in Florida
- Physical Florida Blue Centers for in-person classes, plan assistance, and more
- Comprehensive and personalized chronic care programs
For those buying On-Market, or Affordable Care Act (ACA), health plans, Open Enrollment started on November 1, 2026. To get coverage that begins January 1, 2027, you must enroll by December 15, 2026.
For those buying Off-Market health plans, enrollment started on October 1, 2026. To get coverage that begins January 1, 2027, you must enroll by December 31, 2026.
Open Enrollment for everyone ends on January 15, 2027. This may be your last chance to enroll for the year unless you qualify for Special Enrollment.
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.
- 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)
- Create an online account: Make sure you have a Healthcare.gov account. You'll need this to enroll in a plan and get your tax credit.
- 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.
Florida Blue contracts with Prime Therapeutics, LLC to provide pharmacy benefit management and home delivery services.
Many 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.
MedsYourWay prescription drug discount card, administered by Inside Rx LLC, is not insurance. You are responsible for the cost of prescription(s) when using the card. Limitations apply. The discount pricing card is automatically available to all members with no additional sign up needed. The card is electronic only, a physical card will not be mailed. Average savings based on usage and Inside Rx data as compared to cash prices; average savings are up to 80% for all generics and 37% for select br Reward 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 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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