BCBS Florida in Florida
Florida Blue (BCBS of Florida) is the state's largest health insurer, covering millions of Floridians with comprehensive plans and the widest provider network in the state.
Who is Florida Blue?
Florida Blue, the Blue Cross and Blue Shield plan for Florida, has been serving the state for over 75 years. As the largest health insurer in Florida, they provide coverage to over 5 million members.
With the widest provider network in Florida, Florida Blue plans give you access to virtually every hospital and most doctors across the state, plus nationwide coverage through the BCBS network.
Florida-Based
Headquartered in Jacksonville, serving only Florida.
Community
Deep investment in Florida communities and health outcomes.
Innovation
Leading digital health tools and virtual care options.
Strength
Backed by the nationwide BCBS Association network.
Why Choose BCBS Florida in Florida?
Highlights of what this carrier offers Florida residents.
Largest FL Network
Access to 96% of Florida doctors and virtually every hospital.
Florida Blue Centers
Walk-in retail locations for in-person help with your plan.
MyBlue App
Manage your plan, find care, and see claims from your phone.
Subsidy Eligible
Many plans qualify for ACA tax credits to lower your costs.
BCBS Florida Plans Available in Florida
Compare plan types and find the coverage that fits your needs and budget.
Individual & Family
ACA-compliant plans for individuals and families under 65, available on and off the marketplace.
- ✓ HMO & PPO options
- ✓ $0 preventive care
- ✓ Prescription drug coverage
- ✓ Mental health services
- ✓ Telehealth included
Medicare Supplement
Fill the gaps in Original Medicare with Cigna Medigap plans for Florida residents 65+.
- ✓ Plan G, N, and more
- ✓ No network restrictions
- ✓ Guaranteed renewable
- ✓ Predictable costs
- ✓ Travel emergency coverage
Group / Employer
Custom group health solutions for Florida businesses of all sizes with flexible plan designs.
- ✓ Tailored proposals
- ✓ Employee enrollment support
- ✓ Dental & vision add-ons
- ✓ Wellness programs
- ✓ Dedicated account manager
Explore Other Florida Carriers
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Top 2026 Florida Blue plans - details and ratings
Florida Blue is the only carrier selling in all 67 Florida counties for 2026, across the broad BlueOptions network and the narrow myBlue HMO. It is rarely the cheapest and consistently the most available, with a low complaint profile. Representative 2026 plans below - cost sharing varies by county and CSR level; confirm at quote.
Star ratings are seeded from public ratings and complaint data and adjust as visitors rate each plan.
BlueOptions Bronze 2119 ($0 Virtual Visits)
Budget bronze on the broad BlueOptions network with free virtual care.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.9 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
BlueOptions Bronze 1705 (HSA)HSA-Eligible
HSA-qualified bronze on the broad network.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.9 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
BlueOptions Silver 24J01-07 ($50 PCP)
Mainstream silver - the CSR check belongs here.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.9 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
BlueOptions Gold 24J01-09$0 Deductible
A zero-deductible gold on the broad network.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.9 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
myBlue Silver 2237CNarrow Network
The low-premium myBlue HMO lane - $0 deductible on the 94% CSR variant, with a much shorter provider list.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.9 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Independent roundups consistently describe Florida Blue as expensive but reliable - it denies fewer in-network claims than average and draws few complaints for its size. Add your own rating above.
Florida Blue rate filing history
Every year Florida insurers file individual-market rate changes with the Florida Office of Insurance Regulation. Here is this carrier’s public record - statewide average changes, not your personal premium:
| Plan year | Requested | Approved | Note |
|---|---|---|---|
| 2018 | +38.1% | Incl. CSR silver load | |
| 2019 | +10.5% | +2.4% | |
| 2020 | -1.0% | -2.0% | Rate cut |
| 2021 | +1.7% | +3.7% | |
| 2022 | +9.8% | ||
| 2023 | +5.7% | ||
| 2024 | +7.2% | ||
| 2025 | +9.8% | ||
| 2026 | ~+27% | +32.2% | Statewide avg +34.1%; enhanced-subsidy expiration |
| 2027 | +26% | pending | Proposed |
Sources: Florida Office of Insurance Regulation "Individual PPACA Market Monthly Premiums" annual filings (approved figures), ratereview.healthcare.gov, and ACA Signups Florida tables. 2018 approved figures include the one-time CSR silver load. Figures are market averages, not your personal premium; subsidies can absorb much of an increase.