Florida Blue in Florida

Florida Blue is the Blue Cross and Blue Shield plan for Florida. Based in Jacksonville, it sells PPO, EPO, POS and HMO plans through two Florida companies.

You can find it on our list of Florida health insurance companies. Its company code is NAIC 98167.

Selling 2027 marketplace plans in FloridaChecked Oct 2026

Is Florida Blue leaving Florida? No. Both Florida Blue companies filed 2027 plans for people who buy their own coverage. The 2027 rate filings were reported Aug 3, 2026. As of Oct 9, 2026. Source: healthinsurance.org.

By , updated

Member services(800) 352-2583Weekdays, 8am to 6pm ET
Pay a bill (800) 352-2583 Pay online

PPO, EPO, POS and HMO

Plan types

82 years

In Florida since 1944

Jacksonville

Headquarters

Blue Cross and Blue Shield of Florida, Inc.

Licensed company, NAIC 98167, FL code 06020

Complaints
0.54 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, individual accident and health. As of Oct 16, 2026.

Florida Blue plan names

The plan name on your Florida Blue card tells you its network.

  • BlueOptions PPO

    The biggest Florida Blue network. You can use it in all of Florida and outside the state.

    Issued by Blue Cross and Blue Shield of Florida, Inc.

  • BlueSelect EPO

    A smaller Florida network. No out of network care except emergencies.

    Issued by Blue Cross and Blue Shield of Florida, Inc.

  • BlueCare POS

    A point of service plan with a primary care doctor and some out of network choice.

    Issued by Blue Cross and Blue Shield of Florida, Inc.

  • myBlue HMO

    Florida Blue's HMO plans, built around one primary care doctor.

    Issued by Health Options, Inc. (Florida Blue HMO)

Source: enroll.floridablue.com, checked Oct 9, 2026.

Not Florida Blue.

This page is run by a licensed Florida insurance agent, not by Florida Blue. For anything about your Florida Blue plan, call Florida Blue at (800) 352-2583.

While you're here: most people with a Florida Blue card also have a car, and many own a home. A licensed Florida agent can check both in a few minutes. Call (727) 997-5999, or ask for a quote.

Check my home and auto Call (727) 997-5999

What's changed recently

  1. Florida Blue files its 2027 plans

    Both Florida Blue companies filed 2027 rates: Blue Cross and Blue Shield of Florida asked for 26% more, Health Options (Florida Blue HMO) 9.8%. Florida Blue is not among the carriers leaving.

  2. AM Best affirms A+ (Superior) ratings

    AM Best kept its A+ (Superior) rating, with a stable outlook, for two GuideWell companies. They are Blue Cross and Blue Shield of Florida, Inc. and Health Options, Inc.

  3. Florida Blue gets a new parent, GuideWell

    Blue Cross and Blue Shield of Florida became a stock company. GuideWell Mutual Holding Corporation now owns it. The people who hold its policies own GuideWell. Health Options moved under GuideWell Group, Inc.

  4. Blue Cross and Blue Shield of Florida becomes Florida Blue

    The company adopted the Florida Blue trade name and a new logo. The legal name stayed Blue Cross and Blue Shield of Florida, Inc.

See every Florida Blue update

Other Florida health insurance companies

  • AvMed

    AvMed is a not for profit Florida HMO based in Doral and part of Sentara Health since 2022. It sells individual plans in four Florida counties.

  • Oscar

    Oscar is a New York based health insurer. It has sold individual plans in Florida since 2019, now as EPO and HMO plans through two Florida companies.

  • Ambetter from Sunshine Health

    Ambetter is Centene's marketplace health plan in Florida. Its HMO plans come from Centene Venture Company Florida and, through 2026, Sunshine State Health Plan.

  • UnitedHealthcare

    UnitedHealthcare of Florida, Inc. is an HMO based in Maitland. It sells the UnitedHealthcare plans that people buy on their own in Florida.

  • Cigna Healthcare

    Cigna Healthcare sells health plans through jobs all over Florida. The EPO and HMO plans it sells to people in some counties end after Dec 31, 2026.

Questions people ask about Florida Blue

What is the Florida Blue customer service number?Call 1-800-352-2583, which spells 1-800-FLA-BLUE.

That is the number Florida Blue lists for members and for individuals and families. TTY users call 1-800-955-8770. The individual and family line is open Monday to Friday, 8 a.m. to 6 p.m. ET. The same number has a 24 hour digital assistant.

Source: Florida Blue contact page, read Oct 9, 2026

Is Florida Blue the same as Blue Cross Blue Shield?Yes, in Florida.

Florida Blue is the trade name of Blue Cross and Blue Shield of Florida, Inc., the Blue Cross and Blue Shield licensee for the state. The company took the Florida Blue name in April 2012 and kept its legal name. Its parent is GuideWell, a Jacksonville mutual.

Source: Florida Blue newsroom, April 1, 2012; Florida Blue about page, read Oct 9, 2026

Is Florida Blue leaving Florida?No.

Florida Blue has two companies here: Blue Cross and Blue Shield of Florida and Health Options (Florida Blue HMO). Both filed rates for 2027 plans in Florida. Cigna is leaving Florida's marketplace for 2027. Florida Blue is not.

Source: healthinsurance.org Florida page, updated Aug 3, 2026

Is Florida Blue an HMO or a PPO?Both, plus EPO and POS.

Florida Blue's individual plan families are BlueOptions (PPO), BlueSelect (EPO), BlueCare (POS) and myBlue (HMO). The HMO plans come from Health Options, Inc., doing business as Florida Blue HMO. The others come from Blue Cross and Blue Shield of Florida.

Source: Florida Blue products page, read Oct 9, 2026

Who owns Florida Blue?GuideWell Mutual Holding Corporation.

It is a mutual in Jacksonville, and its policyholders own it. On Jan 1, 2014, Blue Cross and Blue Shield of Florida became a stock company that GuideWell owns in full. Health Options, Inc. sits under GuideWell Group, which GuideWell also owns.

Source: Florida OIR examination reports of BCBSFL and Health Options, as of Dec 31, 2019

Where is Florida Blue based?In Jacksonville.

Both of its Florida companies use the same home office. It is at 4800 Deerwood Campus Parkway, Jacksonville, FL 32246. Florida Blue also runs walk in Florida Blue Centers around the state.

Source: Florida OIR examination report of BCBSFL; Florida Blue contact page, read Oct 9, 2026

Sources