With Aetna’s withdrawal from Florida’s ACA health insurance marketplace and reductions in certain Medicare Advantage plans, many Floridians are evaluating new insurers for 2026. Florida Blue stands out as a popular replacement, but other carriers also offer marketplace and Medicare options. Understanding the strengths of each will help you make an informed choice.
Why Florida Blue Is a Popular Choice
Florida Blue (Blue Cross and Blue Shield of Florida) has long been one of the state’s most stable health insurance carriers. Florida Blue offers:
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Extensive provider networks. The carrier contracts with a wide range of doctors, hospitals and specialists across Tampa Bay, Lakeland and Orlando. This broad access means many members can keep their current providers.
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Variety of plan types. Florida Blue provides HMO, PPO and EPO plans in multiple metal tiers, along with Medicare Advantage and Medigap options.
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Strong customer support. Members have access to nurse hotlines, wellness programs and online tools to manage their benefits.
Other Carriers to Consider
Although Florida Blue is well known, other insurers offer marketplace and Medicare plans in Florida, such as United Healthcare, Ambetter, Humana, Cigna and more.
Availability varies by county, and each carrier’s network may differ. Always verify with your agent at YourMedPlan that your doctors and hospitals participate before enrolling.
How to Choose the Right Replacement Plan
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Check network alignment. Confirm that your primary care doctor, specialists and preferred hospitals are in-network.
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Compare total costs. Look beyond the premium to assess deductibles, copays, coinsurance and out-of-pocket maximums.
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Review drug formularies. Ensure your prescriptions are covered and evaluate copay tiers.
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Assess additional benefits. Some plans include dental, vision, hearing, telehealth or fitness programs.
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Consider plan type. Decide whether you prefer the flexibility of a PPO or the cost savings of an HMO.
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Evaluate customer service. Read reviews or speak with an agent at YourMedPlan to learn about the carrier’s claims process and support resources.
YourMedPlan’s Comparison Service
As an independent agency, YourMedPlan compares multiple carriers. Our advisors assess your providers, medications, and financial goals to match you with a plan that aligns with your needs. We also explain the differences between your Marketplace or Medicare options so you can choose confidently.
Key Dates for Enrollment
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October 15 – December 7, 2025: Medicare Annual Enrollment Period for those switching Medicare Advantage plans.
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November 1 – December 15, 2025: Open Enrollment for 2026 ACA plans.
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December 31 , 2025: Last day of Aetna coverage.
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January 1 , 2026: New coverage begins.
Find the Right Alternative Today
Choosing a new health plan after Aetna’s exit and plan reduction can be complex. Evaluating networks, costs and benefits across several carriers requires time and expertise. Let YourMedPlan guide you through the process so you retain your doctors and manage your budget. Reach out for a free consultation and explore your options for 2026.
Disclaimer: SandStone Partners Health, dba YourMedPlan, is a licensed health insurance agency and an authorized agency of Florida Blue. We are not affiliated with or endorsed by Aetna, the U.S. government, or HealthCare.gov.
We do not offer every Medicare plan available in every area. Currently, we represent multiple organizations that offer a variety of products in your area. For information on all available options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).
