What is changing for Ambetter members in Florida?
Ambetter announced that its Florida Value plan will not be offered beginning January 1, 2027. This is a change to that plan, not an announcement that Ambetter is leaving Florida. The company says it will continue to offer other Florida Marketplace coverage.
Your card or renewal letter should identify your plan. If you have a different Ambetter plan, do not assume this particular announcement applies to you. Review the 2027 notice for your own coverage because premiums, benefits and provider networks can change even when a plan continues.
| Question | What we found |
|---|---|
| Is Florida Value renewing? | No. Ambetter says the plan will not be offered starting January 1, 2027. |
| Is Ambetter leaving Florida? | No. Ambetter says it will continue offering other Florida Marketplace plans. |
| Will I automatically get the same coverage? | Do not assume so. Check your individual notice for any replacement and compare its costs and benefits. |
| Will my doctors still be covered? | A different plan can have a different network. Confirm the exact 2027 plan with both the provider and insurer. |
What should I check before choosing another plan?
Start with your letter and your HealthCare.gov account. A replacement mentioned in a notice may not have the same doctors, drug list or costs. You can compare other plans available to you; the choices depend on where you live and your eligibility.
Use this checklist while reviewing your options. You can work through it without giving us your contact information.
How do I make sure my doctors and medicines fit?
Ask your doctor, hospital and insurer about the exact plan name, network and coverage date. If you use a specialist or receive ongoing treatment, ask about referrals, prior authorization and any transition of care before changing coverage.
Look up each prescription in the 2027 drug list and ask the plan what you would pay at your pharmacy. Covered does not always mean free: a deductible, copay, tier or approval rule may apply.
Compare the yearly premium after any savings you qualify for with the costs you expect to pay for care. The out-of-pocket maximum is a separate protection for covered in-network care, not an extra amount to add on top of the deductible and copays.
When do I need to choose?
Florida uses HealthCare.gov. For a plan to start January 1, 2027, choose or change it by December 15, 2026 and pay the first premium. Open enrollment ends January 15, 2027; a selection made after December 15 generally starts February 1.
Ambetter's provider announcement says affected members' renewal materials direct them to pay the January premium by January 15 to keep the replacement option. Your individual notice controls the instructions for your situation: confirm the due date, amount, replacement and effective date with the Marketplace or insurer. Do not assume a replacement is guaranteed or delay a necessary payment.
Outside open enrollment, ask the Marketplace whether a special enrollment period applies to you. A licensed agent can help you review the plans available in your area and make sense of your notice.
Where can I get help comparing plans?
Have your current plan name, renewal letter, ZIP code, list of doctors and medicines, and expected 2027 household income ready. We can help you compare available Marketplace choices and check the questions to ask before you enroll.
For more on insurer and plan changes, see our guide to insurers leaving the Marketplace. If the replacement premium looks higher, our 2027 premium guide explains why prices and savings can change.
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