UnitedHealthcare in Florida
UnitedHealthcare of Florida, Inc. is an HMO based in Maitland. It sells the UnitedHealthcare plans that people buy on their own in Florida.
You can find it on our list of Florida health insurance companies. Its company code is NAIC 95264.
Selling 2027 marketplace plans in FloridaChecked Oct 2026
Is UnitedHealthcare leaving Florida? No. It filed 2027 Florida marketplace rates and asked for a 30.2% increase. The 2027 rate filings were reported Aug 3, 2026. As of Oct 9, 2026. Source: healthinsurance.org.
HMO
Plan type
53 years
In Florida since 1973
Maitland
Headquarters
UnitedHealthcare of Florida, Inc.
Licensed company, NAIC 95264, FL code 87005
- Complaints
- 0.94 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.
Not UnitedHealthcare.
This page is run by a licensed Florida insurance agent, not by UnitedHealthcare. For anything about your UnitedHealthcare plan, call UnitedHealthcare at (888) 200-0405.
While you're here: most people with a UnitedHealthcare 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.
What's changed recently
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UnitedHealthcare files rates for 2027 in Florida
UnitedHealthcare is in Florida's 2027 rate filings for plans people buy on their own. It asked for a 30.2% rate increase. That means it plans to keep selling marketplace plans in Florida for 2027.
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UnitedHealthcare will be back on the marketplace in Florida in 2022
UnitedHealth Group said its individual and family plans would come to Florida and six other states for 2022. That took its marketplace footprint to 18 states.
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UnitedHealthcare will leave the marketplace in most states for 2017, Florida too
UnitedHealthcare lost money on exchange plans. It said it would stay in only New York, Virginia and Nevada for 2017. In Florida, Lee and Collier counties were expected to have just one marketplace company left.
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UnitedHealthcare says it will join the marketplace in Florida for 2015
UnitedHealthcare sat out the first marketplace year. For 2015 it said it would sell plans on Florida's marketplace, one of three new insurers that year.
Other Florida health insurance 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.
- 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.
- Florida Blue
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.
- 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.
- Aetna CVS Health
Aetna CVS Health is owned by CVS Health. Its Florida HMO, Aetna Health Inc., sold marketplace plans from 2022 through 2025 and still serves employer plans.
Questions people ask about UnitedHealthcare
What is the UnitedHealthcare customer service number in Florida?For individual and family marketplace plans in Florida, UnitedHealthcare lists 1-888-200-0405, TTY 711, weekdays 8 a.m. to 8 p.m. local time.
Members with a plan through work use 1-866-801-4409. The number on your ID card is always the right one to call.
Is UnitedHealthcare leaving Florida?No.
UnitedHealthcare filed rates for its 2027 Florida marketplace plans. It asked for a 30.2% increase. Cigna and Sunshine State are leaving Florida's marketplace for 2027. UnitedHealthcare is not.
Is UnitedHealthcare an HMO or a PPO in Florida?HMO.
The state CFO keeps a 2026 list of the companies that sell plans to people on their own. It puts UnitedHealthcare of Florida, Inc. under HMOs. The state also licenses it as an HMO.
Source: Florida CFO ACA individual market carrier list 2026, updated Oct 2025
Who owns UnitedHealthcare of Florida?UnitedHealth Group owns it.
That group is in Minnetonka, Minnesota. A state exam report names two companies in between. One is UnitedHealthcare, Inc. The other is United HealthCare Services, Inc.
Source: Florida OIR financial examination report, as of Dec 31, 2021
Where is UnitedHealthcare of Florida based?Its home office is at 495 North Keller Road, Suite 200, Maitland, Florida 32751, near Orlando.
It was incorporated in Florida on May 26, 1970 and licensed as an HMO on March 6, 1973. The parent company is in Minnesota.
Source: Florida OIR financial examination report, as of Dec 31, 2021
Is UnitedHealthcare the same as Golden Rule?They are related but not the same.
UnitedHealthcare's contact page says Golden Rule Insurance Company is behind its dental plans. It also lists a line just for short term insurance. In Florida, marketplace plans come from UnitedHealthcare of Florida, Inc. They do not come from Golden Rule.
Source: UnitedHealthcare contact page and Florida page, read Oct 9, 2026
Sources
- Marketplace status: healthinsurance.org, checked Oct 9, 2026.
- Phone numbers: uhc.com, checked Oct 9, 2026.
- Complaints: NAIC Consumer Information Source, as of Oct 16, 2026.
- Company codes: Florida Office of Insurance Regulation company search.