ACA Individual Carrier List
AFFORDABLE CARE ACT (ACA)
The following are lists of insurers and Health Maintenance Organizations (HMO) who advised the Florida Department of Financial Services, Office of Insurance Regulation that they are marketing individual health insurance plans under the ACA beginning January 1, 2021. The plans offered by these companies may be available on the Marketplace, off the Exchange, or both.
You should visit the federal Marketplace website at www.healthcare.gov to determine what plans are available in your zip code. If you are not eligible for Advanced Premium Tax Credits (APTC) or do not wish to take advantage of the tax credit, you can purchase a plan directly from an insurer or HMO off the Exchange by contacting the company or an agent directly.
The open enrollment period for 2021 coverage is from November 1, 2020, through December 15, 2020. Coverage must be purchased during this time period unless you qualify for a Special Enrollment Period. All coverage is guaranteed issue regardless of health history and there is no pre-existing condition waiting period. For more information about the ACA, please review our Health Care Reform webpage or contact the Department of Financial Services, Consumer Services Division at 1-877-MY-FL-CFO (1-877-693-5236) within Florida or directly at 850-413-3089.
For more details about whether a company sells on and/or off the Marketplace, the counties each company is available in, as well as the metal level plans the companies are offering, visit the Office of Insurance Regulation (OIR) website at http://www.floir.com/Sections/LandH/FederalHCReform.aspx.
Company Name
Phone Number
Website
Catastrophic Plan?
Blue Cross and Blue Shield of Florida dba Florida
Blue
1-800-955-2227 or visit a Florida Blue
Center
www.floridablue.com
www.floridabluecenters.com
No
Bright Health Insurance Company of Florida
1-844-221-7642
brighthealthplan.com
Yes
Celtic Insurance Company
1-800-779-7989
www.celtic-net.com
No
CIGNA Health and Life Insurance
Company
1-866-438-2446
www.cigna.com/individuals-families/
No
Oscar Insurance Company of Florida
1-855-672-2755
www.hioscar.com
Yes
Updated: 10/2020
HEALTH MAINTENANCE ORGANIZATIONS AFFORDABLE CARE ACT
(ACA)
The following is a list of Health Maintenance Organizations (HMO) that have advised the Florida Department of Financial Services, Office of Insurance Regulation that they are marketing individual HMO contracts under the ACA beginning January 1, 2021. The plans offered by these HMOs may be available on the Marketplace, off the exchange, or both. You must live in the HMO's approved geographic area to be eligible for the plan.
Company Name
Phone Number
Website
Catastrophic Plan?
Av-Med, Inc.
1-800-477-8768
www.avmed.org
Yes
Florida Health Care Plan, Inc.
1-800-352-9824
Ask for Marketing
www.fhcp.com
Yes
Health First Commercial Plans, Inc.
1-877-904-4914
www.health-first.org
Yes
Health Options, Inc. dba Florida Blue
1-800-633-6808 or visit a Florida Blue
Center
www.floridablue.com
www.floridabluecenters.com
No
Molina Healthcare of Florida
1-888-560-5716
www.molinahealthcare.com
No
Updated:10/2020