Updated November 2026 for the 2027 plan year. This page lists the health insurance companies selling coverage in Florida: the insurers on the ACA Marketplace, the companies with the largest share of the commercial market, the Medicaid managed care plans and the leading Medicare Advantage carriers. Florida Blue (BCBS FL) is the largest commercial health insurer in Florida, with 34% of the market, according to the American Medical Association (AMA).
For coverage you buy yourself, Florida residents use HealthCare.gov. For 2027, 11 insurers are expected to offer Marketplace plans there, based on federal and state filings.
Florida Health Insurance at a Glance
| Measure | Florida | Source |
|---|---|---|
| Largest commercial insurer (share of market) | Florida Blue (BCBS FL) (34%) | AMA, 2024 data |
| Second-largest commercial insurer | UnitedHealth Group (18%) | AMA, 2024 data |
| ACA Marketplace | HealthCare.gov | |
| Marketplace plan selections, 2026 | 4,538,772 (-4.2% from 2025) | CMS |
| Average monthly Marketplace premium after tax credits | $106 in 2026 ($67 in 2025) | CMS |
| Medicaid enrollees, 2024 | 4,363,948 | CMS |
| Share of Medicaid enrollees in comprehensive managed care | 70.0% | CMS, 2024 |
| Medicare Advantage plans, 2027 | 560 (611 in 2026) | CMS |
| Largest Medicare Advantage carrier | Humana (32%) | AMA, 2024 data |
Largest Health Insurance Companies in Florida
The AMA’s annual Competition in Health Insurance report measures each insurer’s share of enrollment in the commercial market, which includes employer plans and individual coverage, and in Medicare Advantage. The latest edition uses enrollment as of January 1, 2024.
| Market | Largest insurer | Share | Second-largest insurer | Share |
|---|---|---|---|---|
| Commercial (employer and individual) | Florida Blue (BCBS FL) | 34% | UnitedHealth Group | 18% |
| Medicare Advantage | Humana | 32% | UnitedHealth Group | 30% |
The Blue Cross Blue Shield licensee in Florida: Florida Blue (Blue Cross and Blue Shield of Florida, Inc.; GuideWell). For every company, including national carriers, see our List of Health Insurance Companies.
ACA Marketplace Insurers in Florida for 2026 and 2027
| Insurer | 2026 | 2027 |
|---|---|---|
| 22 Health | Yes | Yes |
| Ambetter Health | Yes | Yes |
| AmeriHealth Caritas Next | Yes | Yes |
| AvMed | Yes | Yes |
| Capital Health Plan | Yes | Yes |
| Cigna Healthcare | Yes | No |
| Florida Blue (BlueCross BlueShield FL) / Florida Blue HMO | Yes | Yes |
| Florida Health Care Plans | Yes | Yes |
| Health First Commercial Plans | Yes | Yes |
| Molina Healthcare | Yes | No |
| Oscar Health Maintenance Organization of Florida | Yes | Yes |
| UnitedHealthcare | Yes | Yes |
| Wellpoint | Yes | Yes |
Cigna and Molina are leaving the Florida Marketplace for 2027, and Sunshine State Health Plan is not on the state’s 2027 list of individual-market insurers. Florida Blue continues to sell ACA plans in all 67 counties.
Source: CMS Marketplace plan data files. Insurer names are brand names; an insurer may sell in only part of the state. Check plans for your ZIP code at HealthCare.gov.
Claim Denial Rates for Florida Marketplace Insurers
In 2024, Florida HealthCare.gov insurers denied 22.2% of in-network claims, compared with 18.7% nationally. Rates by insurer:
| Insurer (as filed) | In-Network Claims | In-Network Denial Rate |
|---|---|---|
| Health Options, Inc. | 42,561,091 | 24.7% |
| Blue Cross and Blue Shield of Florida | 22,220,889 | 19.1% |
| Cigna Health and Life Insurance Company | 4,620,013 | 20.0% |
| UnitedHealthcare of Florida, Inc. | 3,564,380 | 20.2% |
| Florida Health Care Plan, Inc. | 3,536,806 | 17.0% |
| Health First Commercial Plans, Inc. | 2,123,475 | 22.4% |
| Molina Healthcare of Florida, Inc | 1,447,710 | 23.6% |
| Sunshine State Health Plan | 1,271,365 | 20.2% |
| Capital Health Plan | 540,104 | 6.5% |
| AvMed, Inc. | 431,996 | 27.3% |
| AmeriHealth Caritas Florida, Inc. | 79,451 | 25.7% |
Full methodology and national rankings are in our claim denial rates by insurer report.
Medicaid Managed Care Plans in Florida
Agency for Health Care Administration (AHCA) runs Medicaid in Florida. In 2024, 70.0% of the state’s 4,363,948 Medicaid enrollees were in comprehensive managed care plans, according to CMS; see our Medicaid managed care by state data. Programs: Statewide Medicaid Managed Care (SMMC): Managed Medical Assistance (MMA), Long-Term Care (LTC), Dental.
- Aetna Better Health of Florida
- Children’s Medical Services (specialty)
- Community Care Plan
- Florida Community Care
- Humana Medical Plan
- Molina Healthcare of Florida
- Simply Healthcare of Florida
- Sunshine State Health Plan
- UnitedHealthcare of Florida
Source: Agency for Health Care Administration (AHCA).
Medicare Advantage in Florida
People with Medicare in Florida can choose from 560 Medicare Advantage plans for 2027, compared with 611 in 2026, and 100% have access to a plan with a $0 monthly premium, according to CMS. The largest Medicare Advantage carriers are Humana (32%) and UnitedHealth Group (30%), according to the AMA. Compare every state on our Medicare Advantage plans by state page, and see our Medigap vs Medicare Advantage guide before you choose.
Recent Developments in Florida
- Third-generation SMMC contracts (2025–2030) took effect Feb. 1, 2025, in nine new regions. UnitedHealth, CVS/Aetna and Molina won additional regional contracts in July 2024 after protesting the April 2024 awards. (source)
- Cigna, Molina and Sunshine State Health Plan do not appear on the Florida Office of Insurance Regulation’s 2027 individual-market company list, dated October 16, 2026. (source)
- Florida Blue continues to sell ACA plans in all 67 counties for 2027. (source)
How To Choose a Health Insurer in Florida
- Compare Marketplace plans for your ZIP code and update your income to get the right tax credit.
- Check that your doctors and hospitals are in network; our HMO vs PPO vs EPO guide explains the differences.
- Compare the out-of-pocket maximum as well as the premium.
- If your insurer is leaving the Marketplace for 2027, choose a new plan by December 15 for coverage starting January 1.
- For complaints or help with a denied claim, contact the Florida Department of Financial Services.
For statewide enrollment and premium trends, see our ACA Marketplace enrollment by state data, and follow our Health Insurance Companies hub for insurer news.
Sources
American Medical Association, Competition in Health Insurance: A Comprehensive Study of U.S. Markets (2025 update, 2024 data); CMS 2026 and 2025 Open Enrollment State-Level Public Use Files; CMS Marketplace plan data files for 2026 and 2027; CMS Medicaid Managed Care Enrollment (2024); CMS 2027 Medicare Advantage and Part D state fact sheets; KFF 2024 Transparency in Coverage data; Agency for Health Care Administration (AHCA).