Molina Healthcare in Florida
Molina Healthcare is a FORTUNE 500 company that delivers managed health care services through Medicaid, Medicare, and the Health Insurance Marketplace.
Molina’s locally-operated health plans serve approximately 2.3 million members in 11 states. Molina also offers health information management and business process outsourcing solutions for state Medicaid programs through its subsidiary, Molina Medicaid Solutions (MMS).
Who is Molina Healthcare?
Smiling doctor and patient
Our mission is to provide quality health care to people receiving government assistance.
Molina Health Plans
Medicaid Molina Healthcare contracts with state governments and serves as a health plan, providing a wide range of quality health care services to families and individuals who qualify for government-sponsored programs, including Medicaid and the State Children’s Health Insurance Program (SCHIP). Molina Healthcare offers Medicaid plans in California, Florida, Illinois, Michigan, Mississippi, Ohio, Puerto Rico, New Mexico, New York, South Carolina, Texas, Utah, Washington and Wisconsin.
Molina Medicare
Molina Healthcare offers Medicare Advantage plans designed to meet the needs of individuals with Medicare or both Medicaid and Medicare coverage. Molina Medicare plans offer comprehensive, quality benefits and programs including access to a large selection of doctors, hospitals and other health care providers at little or no out-of-pocket cost.
Integrated Medicaid/Medicare (Duals)
Molina Healthcare has been selected for several duals demonstration projects as part of a member-centered health care approach for people who are eligible for both Medicaid and Medicare. Molina has been working with these members through our Medicaid and Medicare health plans for many years, and this experience will help us provide these members with high quality care that meets their unique needs.
Molina Marketplace
Molina Healthcare offers Marketplace (known as Exchange in some states) plans in many of the states where we offer Medicaid health plans. Our plans allow our Medicaid members to stay with their providers as they transition between Medicaid and the Marketplace. Additionally, they remove financial barriers to quality care and keep members’ out-of-pocket expenses to a minimum.
Built for Government Programs
Molina was founded to serve people on government assistance, and Medicaid remains the core of the business rather than a side line.
Priced for Subsidies
Molina’s marketplace plans are usually among the lowest-premium options on the exchange, which is what makes a $0 net premium possible with a subsidy.
Dual Eligible Coverage
If you qualify for both Medicare and Medicaid, Molina writes plans designed to coordinate the two rather than leaving you to referee them.
County by County
Molina is an HMO with defined service areas. Availability changes by county and by plan year, so the ZIP code decides what you can actually buy.
Why Choose Molina Healthcare in Florida?
Highlights of what this carrier offers Florida residents.
Low Net Premiums
Molina competes on price. With an ACA subsidy, many Florida households land at or near a zero dollar monthly premium.
Full ACA Benefits
Marketplace plans cover all ten essential health benefits, take pre-existing conditions, and cannot decline you for health history.
Medicare and Medicaid Together
Dual eligible plans coordinate both programs, which usually means lower out of pocket costs and one card instead of two systems.
Coordinated Care Model
You pick a primary care doctor who directs your care. Narrower than a PPO, but that structure is a large part of why the premium is low.
Molina Healthcare Plans Available in Florida
Three programs, each for a different eligibility situation. Which you qualify for depends on income, age and county.
Marketplace (ACA)
On-exchange individual and family plans for people under 65. Guaranteed issue, subsidy eligible, and usually priced near the bottom of the Florida market.
- ✓Covers pre-existing conditions
- ✓All ten essential health benefits
- ✓Subsidy eligible on the exchange
- ✓HMO network, pick a primary doctor
- ✓Service area varies by county
Medicaid
Managed Medicaid for Floridians who qualify on income. Molina holds a state contract running through December 2030.
- ✓No premium for those eligible
- ✓Enroll any time you qualify
- ✓Includes Miami-Dade and Monroe
- ✓Care coordination included
- ✓Eligibility set by the state
Medicare & Dual Eligible
Medicare Advantage and dual eligible plans for people on Medicare, including those who also qualify for Medicaid.
- ✓Coordinates Medicare and Medicaid
- ✓Extra benefits beyond Original Medicare
- ✓Enroll during Medicare windows
- ✓Low or zero plan premium
- ✓Availability varies by county
Explore Other Florida Carriers
We work with all major carriers. Compare them side-by-side to find your best fit.
Find Out Which Molina Plan You Qualify For
Molina availability turns on your ZIP code, your income and your age, and the marketplace service area changes from year to year. Give us two minutes and we will tell you exactly what you can enroll in this year, and what it costs after any subsidy.
Molina’s 2027 Florida filing has not been posted. Molina’s participation in the 2027 Florida marketplace is unconfirmed. If you are on a Molina plan, watch open enrollment closely and have a comparison ready. We will update this page when the state confirms the lineup.
Top 2026 Molina plans - details and ratings
Molina is usually the lowest-premium option for subsidized buyers in its Florida metros, on a narrow Medicaid-style network. 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.
Molina Core Care Bronze 1Budget
The base bronze design.
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: 3.1 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Molina Silver Core 94 Plus with Adult VisionCSR Variant
What the core silver becomes with maximum cost-sharing reductions - plus adult vision.
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: 3.1 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Molina Silver Access 94CSR Variant
The Access-line silver at the highest CSR level.
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: 3.1 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Molina Constant Care Silver
Molina’s condition-focused silver line.
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: 3.1 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
Molina Gold Core
Richest tier in the Molina lineup.
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: 3.1 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
We have not found enough verifiable public member commentary on Molina’s Florida plans to quote fairly - your rating above genuinely helps the next shopper.
Molina 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 | +71.2% | Incl. CSR silver load | |
| 2019 | +9.5% | -1.5% | Cut below request |
| 2020 | -0.5% | -2.9% | Rate cut |
| 2021 | -3.8% | -1.8% | Rate cut |
| 2022 | +6.5% | ||
| 2023 | +8.4% | ||
| 2024 | +3.7% | ||
| 2025 | +4.5% | ||
| 2026 | +40.8% | +43.6% | Largest 2026 increase among majors |
| 2027 | not posted | n/a | Participation unconfirmed |
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.