Open Enrollment starts Nov. 1st
Get ready for Marketplace (ACA) Open Enrollment
We can help you compare Florida Blue Marketplace options and complete your application on HealthCare.gov with clear guidance on networks, prescriptions, and total costs.
2026 Marketplace update for Florida: Aetna will not offer individual & family Marketplace (ACA) plans in 2026. If you received a discontinuation notice, we can help you review Florida Blue options and next steps. Source
Affordable Care Act (ACA) Health Insurance Information
for Residents in Fort Myers, Lakeland, Naples, Sarasota, Tampa, Bonita Springs, Bradenton, FL, and all of West, Central, and Southwest Florida
How Marketplace (ACA) Coverage Works
The Affordable Care Act (ACA) expands access to health insurance and adds consumer protections like coverage for pre-existing conditions. ACA-compliant plans are offered through the federal Health Insurance Marketplace® and may include premium tax credits that lower monthly costs based on household size and income.
Check Eligibility & Get Ready
Florida residents who are U.S. citizens or lawfully present may apply for Marketplace coverage. We’ll help you confirm basics, gather household details, and get set for a smooth application.
Compare Florida Blue Marketplace Options
Review the things that matter: in-network doctors, prescriptions, premiums, deductibles, copays, and out-of-pocket limits. A licensed Bay Insurance agent can walk you through the trade-offs so you can choose with confidence.
Apply on HealthCare.gov
Create or update your Marketplace account and submit your application on HealthCare.gov. We’ll help you prepare and double-check details so the online application is straightforward.
Applications are completed on HealthCare.gov. If you have Medicare, you’re not eligible to enroll in Marketplace medical or dental plans. To qualify through the federal Marketplace, applicants should list their Florida residence as the primary address.
What to Know for 2026 Open Enrollment
Open Enrollment is Nov 1st – Jan 15th. Applications are completed on HealthCare.gov, but Bay Insurance helps you compare options and get ready to apply.
Documents to Have Ready
- Household member info (names/DOBs)
- Home address & contact info
- Estimated yearly income (W-2/1099/pay stubs)
- Immigration/eligibility documents (if applicable)
- Doctor names & prescription list (for lookups)
Bay Insurance: Your Local Agency for Florida Blue
An Independent Licensee of the Blue Cross and Blue Shield Association
Florida Blue offers ACA-compliant individual health plans in Florida. Availability and plan details vary by county and household eligibility. Bay Insurance can help you understand features and compare options. Speak to one of our licensed agents for help finding the right plan for you.
How Savings May Work
You may qualify for premium tax credits that lower monthly premiums and, in some cases, cost-sharing reductions that reduce certain out-of-pocket costs. Actual savings depend on the details you enter at HealthCare.gov and the plan you select.
Plan Comparison Checklist
- Doctors & hospitals in-network
- Prescriptions & formularies
- Primary/specialist copays
- Deductible & out-of-pocket max
- Virtual care & after-hours options
- Monthly premium vs. total expected costs
Savings amounts can change each year based on federal guidelines and plan costs.
Frequently Asked Questions
Clear answers to common Marketplace (ACA) questions — need more help? Call 1-800-330-7124 or contact our team.
If your current Aetna Marketplace plan won’t continue for 2026, you can compare available options and enroll for 2026 on HealthCare.gov. We can help you review Florida Blue Marketplace options and prepare to apply.
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Aetna 2026 update: https://www.aetnacvshealth.com/2026-plan-information.html
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Florida issuers list (2026): https://www.myfloridacfo.com/division/consumers/purchasingInsurance/aca-individual-market-carrier-list-2026
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Apply / log in: https://www.healthcare.gov/
No. We help you prepare and compare options, but applications are completed on HealthCare.gov.
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Apply / log in: https://www.healthcare.gov/
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Get ready to apply (official checklist): https://www.healthcare.gov/apply-and-enroll/get-ready-to-apply/
Need help getting set? Call 1-800-330-7124 or contact a licensed agent.
We provide licensed guidance to compare Florida Blue Marketplace options and help you choose based on your doctors, medications, and budget. Final plan selection is your choice; applications are completed on HealthCare.gov.
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Compare plans & prices: https://www.healthcare.gov/see-plans/
No. If you have Medicare, you’re not eligible to enroll in Marketplace medical or dental plans.
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Medicare & the Marketplace: https://www.healthcare.gov/medicare/medicare-and-the-marketplace/
You may—savings are based on household size and estimated annual income. Final eligibility is determined by the Marketplace when you apply.
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Learn how Marketplace savings work: https://www.healthcare.gov/lower-costs/
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Preview plans & prices in your area: https://www.healthcare.gov/see-plans/
We can help you review inputs before you apply on HealthCare.gov.
Networks vary by plan and county. Check providers while you compare plans and with the carrier’s directory.
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Compare plans on HealthCare.gov: https://www.healthcare.gov/see-plans/
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Florida Blue — Find a Doctor: https://www.floridablue.com/find-doctor
Have your doctors’ names and medications handy so we can help you verify fit.