florida guide to health insurance

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Florida health insurance exchange / marketplace

FL marketplace leads nation in signups

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Between Nov. 15, 2014, and Feb. 15, more than 1.6 million Florida residents selected a health plan. Florida had more people sign up for health insurance through its marketplace than any other state during 2015 open enrollment. Florida ranks fourth in population, behind California, Texas, and New York.

In just the first month of open enrollment, Florida exceeded projections for new enrollees in 2015. Officials last fall estimated that more than 1 million residents would sign up to have health insurance in 2015, including 206,000 people who were expected to enroll for the first time. Two months into open enrollment, about 546,000 new consumers had already enrolled.

Florida’s enrollment success is attributed to well-coordinated outreach, a competitive insurance market in key population centers, and the state’s decision against Medicaid expansion. In states that did expand Medicaid, those with income up to 138 percent of the federal poverty level (FPL) can enroll in Medicaid. Without that option in Florida, low-income residents are turning to the marketplace for coverage.

Special enrollment period through April 30

If you recently filed your 2014 tax forms and realized you have to pay a penalty for not having health insurance last year, you have a few more weeks to get coverage for 2015. HealthCare.gov announced a special enrollment period (SEP) that runs March 15 through April 30.

The penalty-related SEP is available to anyone who didn’t know about the requirement to have health insurance until filing 2014 taxes. Penalties for 2014 will still apply, but signing up for 2015 coverage will limit future penalties.

Individuals who get married, change jobs, or have another qualifying life event can also enroll in coverage outside the standard open enrollment period.

Navigators and insurance agents are available to help consumers enroll. Both can help consumers evaluate the available options, but navigators cannot recommend one health plan over another. Agents receive commission from the insurance company for each person they sign up; navigators do not. Use HealthCare.gov to search for a navigator by ZIP code, or see a list on Florida’s insurance website.

Florida’s other exchange

Florida Health Choices is the state’s own version of an online marketplace. While Florida Health Choices was established by 2008 legislation, it faced many delays and did not go live until March 2014.

Florida Health Choices initially offered “discount only” plans for some health services, such as dental services and prescription drugs. These plans were not true health insurance, and consumers largely ignored the state-sponsored exchange. Just 49 people purchased plans through Florida Health Choice during 2014.

In early January 2015, Florida Health Choices began offering health plans that comply with the ACA and cover the ACA’s ten essential health benefits. Policies from four insurers are available: Assurant, Cigna, Humana, and UnitedHealthCare.

Consumers who shop on Florida Health Choices can NOT obtain subsidies to help them pay for coverage. Those subsidies are available only through HealthCare.gov, the federally facilitated marketplace. Two months into 2015 open enrollment 93 percent of Florida residents who purchased coverage qualified for financial assistance.

The Florida Health Choices board of directors approved an $852,000 budget for 2015. Florida Health Choices has not announced official enrollment projections, but Naff was quoted in the Miami Herald saying, “I’d be tickled pink if we got 1,000 people.”

During the 2015 open enrollment period, 42 people bought health insurance plans through Florida Health Choices.

2015 premiums up 7 percent

A Commonwealth Fund analysis shows Florida marketplace premiums are up 7 percent on average compared to 2014 rates. Nationally, premiums were flat from 2014 to 2015; however, that average masks double-digit increases in some states and double-digit declines in others.

The same analysis found average monthly premiums for a 40-year old nonsmoker in Florida for 2015 are:

  • $303 for bronze plans
  • $369 for silver plans
  • $419 for gold plans
  • $487 for platinum plans

Florida officials and the Obama administration argued over the trend for 2015 premiums during the summer of 2014. Florida insurance regulators said 2015 premiums for individual and family coverage would rise 13.2 percent on average. That figure was a weighted average based on projected enrollment in the various plans. In contrast, the Obama administration projected average premiums would drop four percent. The decrease was based on an evaluation of the second-lowest silver-level health plan, which is the benchmark for premium subsidies.

2015 participating insurers

Florida residents have an extensive number of health insurers to choose from on the federal marketplace. In total, 14 companies are offering policies through the marketplace for 2015. Four of the insurers are new to the marketplace for 2015, according to Health News Florida.

Participating marketplace insurers for 2015 include Aetna, Blue Cross Blue Shield of Florida, Cigna, Coventry Health Care of FL, Florida Health Care Plan, Health First Health Plans, Health First Insurance, Health Options, Humana, Molina Healthcare of Florida, Preferred Medical Plan, Sunshine State Health Plan, Time Insurance Company, and UnitedHealthCare of Florida.

2014 results: highest enrollment for states using HealthCare.gov

Florida had the highest 2014 enrollment among states using HealthCare.gov and the fourth highest percentage of eligible individuals using the marketplace to purchase affordable health insurance. With 983,775 people signing up for coverage, Florida lagged only California in the number of individuals selecting a qualified health plan (QHP) during the 2014 open enrollment period.

While these are hopeful figures, there is still plenty of room to expand health insurance coverage in the Sunshine State. Although the figures vary among sources, Florida’s uninsured rates in 2013 and mid-2014 are among the highest in the U.S. The Gallup-Healthways Well-Being Index puts the figures at 22.1 percent in 2013 and 18.3 percent in 2014. A survey by the Commonwealth Fund shows the rates as 30 percent in 2013 and 26 percent in mid-2014.

Florida exchange background

Florida staunchly opposed the Affordable Care Act and the development of an ACA-compliant health insurance marketplace. Florida legislators not only failed to approve legislation to create an exchange in Florida, they returned a $1 million federal planning grant awarded in 2010. And right after the Supreme Court ruling that upheld most of the Affordable Care Act in June 2012, Republican Gov. Rick Scott announced that Florida would not establish a state-based health insurance exchange.

Florida has made it more difficult for navigators to assist consumers in using the marketplace. In 2013, Florida passed a law requiring fingerprinting and background checks for anyone who wants to serve as a navigator. The state requirements are in addition to federal requirements for 20 hours of training and a qualification test. Also in 2013, the Florida Department of Health (DOH) banned navigators from all county public health facilities. Florida DOH officials said the move was consistent with its policy of blocking outside groups not doing state business. They have also said the ban helps protects consumers from privacy concerns stemming from the collection of personal information for inclusion in a federal database. The Obama administration strongly criticized the ban on navigators, labeling the order “obstructionist” and “plain absurdity.”

Florida health insurance exchange links


State Exchange Profile: Florida
The Henry J. Kaiser Family Foundation overview of Florida’s progress toward creating a state health insurance exchange.

Florida Health Choices
State exchange established independent of the Affordable Care Act

Florida Office of Insurance Regulation
Assists consumers who have purchased insurance on the individual market or who have insurance through an employer who only does business in Florida.
(1-877-693-5236) / Out of State: (850) 413-3089

Subscriber Assistance Program – Agency for Health Care Administration
Serves residents enrolled in managed care; helps resolve grievance between managed care entities and their subscribers.
1-888-419-3456 (toll-free nationwide)