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Florida health insurance exchange

florida guide to health insurance

Florida has nation’s second highest enrollment

March 31, 2014

Florida continues to lead in the number of completed enrollments among the states using the federal marketplace. The number of individuals who selected a health plan grew to 442,087 as of March 1, up from 296,892 as of Feb. 1. Florida lags only California in sign-ups since open enrollment began on Oct. 1. The latest report by the U.S. Department of Health and Human Services also shows that 124,363 Florida residents have qualified for Medicaid or the Children’s Health Insurance Program (CHIP). Florida is not participating in the Medicaid expansion. However, many people who explored buying private insurance learned they qualified for Medicaid based on the current eligibility criteria.

In Florida, 24 percent of those selecting a health plan are between the ages of 18 and 34. Kaiser estimates that young adults need to make up 40 percent of enrollment to keep rates stable. However, others say the age mix assumed by insurers is what really matters. If insurers were cautious and assumed a higher average age when setting 2014 rates, they won’t be forced to hike rates for 2015.

Ninety percent of Floridians who have enrolled in a health plan qualified for financial assistance. Nationally, 83 percent have qualified. Silver plans are far and away the most popular with consumers, in Florida and nationally. In Florida 13 percent selected bronze plans, 70 percent selected silver plans, 7 percent selected gold plans, 10 percent selected platinum plans, and 1 percent selected platinum plans.

March 31 is the last day to apply for private health insurance coverage for 2014. However, federal officials announced that anyone who has started an application on but not completed it as of March 31 can have until April 15 to finish enrolling. The extension is available in Florida and all other states using for enrollment. Consumers can qualify for the extension just by clicking a box on; no documentation is needed.

Enrollment for Medicaid or CHIP continues throughout the year.

Individuals who remain uninsured after March may face a tax penalty of $95 or one percent of income, whichever is greater.

Florida Gov. Rick Scott, a Republican, has been an outspoken critic of the federal health reform law, including the health insurance exchanges. 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, Gov. Scott announced that Florida would not establish a state-based health insurance exchange.

Florida continues to fight against the Affordable Care Act and operation of the health insurance marketplace. In September 2013, the Florida Department of Health (DOH) banned navigators from all county public health facilities. Florida DOH officials have said the move is consistent with its policy of blocking outside groups that are 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.”

The state supports Florida Health Choices, which is the state’s own version of an online marketplace. Florida Health Choices was established by 2008 legislation. After many delays, the site went live in early March. However, the site does not sell actual health insurance policies.

Florida Health Choices offers “discount only” plans for some health services, like dental services and prescription drugs. These plans are not health insurance, and purchasing one of them doesn’t protect you from the individual mandate of the Affordable Care Act — you may still have to pay a penalty for being uninsured.

Florida Health Choices does not comply with the Affordable Care Act. Individuals cannot receive subsidies through Florida Health Choice, nor can businesses access tax credits. Florida Health Choices does not require plans sold on the exchange to cover the ACA’s essential health benefits.

The CEO of Florida Health Choices says the exchange’s target market includes those in the coverage gap — people who make too little to qualify for premium assistance on the federal marketplace and too much to qualify for Medicaid. Because Florida rejected Medicaid expansion, nearly 800,000 people fall into the coverage gap and state health care providers miss out on $1.2 billion annually.

On the federally operated exchange, 10 insurers are selling ACA-compliant health insurance policies. Those insurers are Aetna, Cigna, Coventry Health Care of Florida, Florida Blue (Blue Cross Blue Shield of Florida), Florida Health Care Plan Health Options, Humana, Molina Healthcare, Simply Healthcare Plan, and Sunshine State Health.

According to an HHS report, the average cost for a bronze plan —the lowest-cost option — in Florida is $257 a month. The national average for a bronze policy is $249 a month.

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, which is not part 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)

FL health insurance exchange news

State-by-state open enrollment extension details

Curious to see how your state is handling the open enrollment deadline?  Most states…

Florida Health Choices online — and not selling insurance

WFSU — Florida’s version of a health insurance marketplace launched in early…

Florida Health Choices launch delayed again

Associated Press — Officials for Florida’s home-grown health website, which will…

Florida Health Choices not selling health insurance

Reuters — While Florida Health Choices is described as a health insurance marketplace,…

Florida Health Choices set to launch ‘soon’

Bradenton Herald — Florida officials say they will soon be ready to launch a home-grown…

Florida Senate to reconsider Medicaid expansion

Miami Herald — State Sen. Rene Garcia introduced a bill to use federal Medicaid funding…

Nineteen states have imposed stricter rules on exchange navigators

Nine states have refused to expand Medicaid and have also created rules that make it more…

Florida has most signups through

Miami Herald — Nearly 18,000 Florida residents have selected a private health plan…

17 million eligible for health insurance subsidies

Kaiser Health News — A new analysis estimates 17 million people who are currently…

Roadblocks for navigators in red states

National Journal — Republican governors, insurance commissioners and legislatures have…

Voice your concerns to your
Florida elected officials

tell your elected officials

Let your Florida governor and legislators know how you feel about the state’s proposed health insurance exchange.

Florida Governor Rick Scott
PL-05 The Capitol
Tallahassee, FL 32399-0001
PHONE: (850) 488-7146
FAX: (850) 487-0801
Contact by e-mail
Contact your Florida State Senator
Contact your Florida State Representative