1. What is the Marketplace?

In Florida, the Health Insurance Marketplace is a web-based shopping experience that allows easy access to and side-by-side comparison of health care products and services.

2. Is this the same as “Healthcare.gov”?

No, Florida’s Marketplace is not the same as Healthcare.gov. The federally facilitated exchange located at Healthcare.gov can provide subsidies to a small percentage of Floridians who qualify based on their income. Most Florida residents are not eligible for the financial assistance offered by Healthcare.gov but are still required to have health insurance. We can help Floridians compare their public and private insurance exchange options.

3. Does Florida’s Insurance Marketplace have an essential set of benefits?

There are no mandates as to the products and plans offered in the Health Insurance Marketplace. However, our comprehensive health care offerings do include the essential health care benefits as required by law.

4. What products and services are offered?

We offer comprehensive medical coverage, dental, vision, and more. Other insurance options and services that are helpful to employers such as payroll services and medical savings accounts may be offered in future phases. Florida Heath Choices also offers private exchange services for employers, associations, insurers and agents. Visit our Services page to learn more.

5. Who is eligible for coverage?

We serve individuals, families, children, and licensed professionals of the state of Florida.

6. Do you offer Kids’ Insurance or Child-Only policies for children whose parents may already have coverage?

Yes. We offer a variety of options that cover children only, whether or not their parents have coverage. If you are a Florida Healthy Kids “full-pay” family, you have the option of shopping with us for kids’ insurance as well as for family or other individual coverage.

7. When can I shop for coverage?

The next Open Enrollment period is November 1, 2015, to January 31, 2016. Outside of that time, you can shop for coverage if you have a Qualifying Life Event. The Marketplace is open 24/7.

8. How do I shop the Marketplace?

Visit our home page and shop for plans. If you are looking for kids’ insurance, individual or family coverage, click on Consumers. If you are a professional with a license issued by the state of Florida, click on Licensed Professionals.


The health care landscape in our country is constantly evolving. As new federal regulations change the way we deliver services, employers, individuals and providers must navigate the landscape to ensure that health insurance remains accessible and affordable.

Florida legislators foresaw that the ever-changing health care environment created a need for small employers and individuals to be able to access health insurance and health services without the hassle of dealing with the “insurance buying process” or only providing a “one-size-fits-all” plan.

In May 2008, SB 2534 was signed into law, which created the Florida Health Choices Corporation. The Corporation was established with the goal of increasing access to affordable, quality health care by creating a competitive market for purchasing health insurance and health services. Insurers and other companies will be able to offer more flexible insurance options and other products geared toward businesses, associations, individuals, kids, and families. The Corporation is administered by a 15-member board made up of appointees chosen by the Governor, the Senate president and the House speaker.

In 2014, Florida Health Choices began to roll out Florida’s Health Insurance Marketplace in phases. The Marketplace is a central web portal where businesses and eligible individuals can choose from a variety of health plans and services. Currently, the Marketplace serves individuals, children, families, and professionals licensed by the state of Florida, offering comprehensive coverage, kids’ insurance, dental, vision, and more. With a single point of access to compare multiple insurance products, consumers are able to enroll in the product that best meets their needs. Florida Health Choices also serves one of the largest trade associations in the state.

With several phases planned, Florida’s Marketplace will evolve and grow to include more vendors, products and web-based functionality.

Program Overview

Governance and Stakeholders

The 12 voting members of the Florida Health Choices Board of Directors are appointed by the Governor, President of the Senate and Speaker of the House of Representatives. In addition, by law the Board includes three non-voting ex-officio members, one each from the Agency for Health Care Administration, Department of Management Services, and the Office of Insurance Regulation, which serve as important state agency partners.

Eligibility for Florida’s Health Insurance Marketplace

Participation is purely voluntary. Participants may include the categories listed below:


  • Employees of enrolled employers
  • Individuals and their family members
  • Children only


  • Florida employers


  • Florida associations

Agents/Buyer’s Representatives

  • Health insurance agents licensed by the state of Florida


  • Insurers
  • Health Maintenance Organizations
  • Discount Medical Plan Organizations
  • Limited Benefit Plans
  • Prepaid health clinics
  • Licensed health care providers including hospitals, licensed health facilities, health care clinics, licensed health professionals, pharmacies
  • Provider organizations including service networks, group practices, professional associations and other incorporated organizations of providers

Florida’s Health Insurance Marketplace

Florida’s Health Insurance Marketplace was designed by the State of Florida to serve Florida’s unique insurance market and to connect consumers with the health benefit providers they are seeking. A wide range of service providers, insurance options, benefit levels, and consumer choices are planned.

Florida’s Health Insurance Marketplace is launching in phases, with additional vendors, products and functionality being added over time. The major components of the Marketplace may include:

  • Web-based portals specifically designed for individuals, children, families, employers, employees, licensed professionals, associations, and agents
  • Shop-and-compare functionality to facilitate choice
  • Decision-making tools
  • Ability to find an agent
  • Back-office product, service and financial support
  • Customer contact centers
  • Provider searches

Florida Health Choices will continue to examine the overall health and insurance markets in Florida with an eye toward any segments that can be supported without over-reaching sustainability. Additional expansions to support other vendors and products will coincide with consumer need, vendor interest, and demonstrated commitment to Marketplace participation.


Start-up funding to design and launch the program was provided by the State. The Marketplace must become financially self-sustaining through the use of a minimal surcharge on the products it sells which cannot exceed 2.5 percent.

Visit our FAQs page for additional information.

Florida Health Choices Staff

Rose M. Naff, Chief Executive Officer

Rose M. Naff began her service driven career in state government at the Florida Department of Insurance. She is a proven leader and innovator in the area of child health policy, outreach, insurance and health care finance. In 1990, Naff joined the Florida Healthy Kids Corporation. Over the course of 18 years, she developed the Corporation into a national model; assisted in implementing state and national health care policies; established fiscal guidelines for programs throughout the country; and worked closely with both state and federal legislators. In 2009, she was appointed Chief Executive Officer of Florida Health Choices, Inc. by the Board of Directors.

During her tenure with Florida Healthy Kids, Naff was recognized on numerous occasions for her efforts on behalf of Florida’s uninsured children. In 1996, she accepted an Innovation in American Government Award from the Ford Foundation and the Kennedy School of Government at Harvard University. The program was again recognized by Harvard in 2002 as a sustaining model of public-sector innovation of national significance. In addition, Naff received the 2005 Jack Hardy Health Care Communicator of the Year award from the Florida Hospital Association.