What is happening between AdventHealth and UnitedHealthcare?
AdventHealth says UnitedHealthcare terminated its contract. The current agreement ends December 31, 2026. If the two sides do not reach a new one, AdventHealth hospitals and clinicians would be out of network for United members starting January 1, 2027. AdventHealth lists four kinds of United coverage as affected: Medicare Advantage, Individual and Family (marketplace), commercial and Medicaid plans.
AdventHealth says nothing has changed yet, and that it is negotiating. It says it is not asking for increases above inflation and wants contract terms that address delays, denials and prior authorization requirements. If there is no deal, you could pay more to use AdventHealth, or have to choose a different doctor. As of October 18, 2026 we have not found an announced agreement.
What is changing at Orlando Health?
| Plan or network | Health system | What the health system says | Date |
|---|---|---|---|
| UnitedHealthcare (Medicare Advantage, marketplace, commercial, Medicaid) | AdventHealth | Out of network unless a new agreement is signed | January 1, 2027 |
| Claritev networks: MultiPlan, PHCS, Beech Street | Orlando Health | No longer accepted. Services on or after this date are not covered as in network | November 1, 2026 |
Orlando Health says it will no longer accept Claritev plans, including MultiPlan, PHCS and Beech Street, starting November 1, 2026. It says if you do not have one of these plans you can ignore the notice. Look for these network names on your insurance card, and call the number on the card if you are unsure.
How many people in Orange County use the marketplace?
| Measure | Orange County |
|---|---|
| People who picked a plan | 399,974 |
| Received a premium tax credit | 95.2% |
| Average monthly premium before credits | $757 |
| Average monthly premium after credits | $92 |
| Paid $10 a month or less after credits | 116,100 |
These are 2026 numbers, from the first year after the enhanced credits expired. The credit you get for 2027 depends on your income, your household and the plan prices where you live, so get a fresh estimate instead of relying on last year's average.
Census estimates put Orlando's population at 333,888, with 11.3% age 65 or older. About 40.8% of residents speak a language other than English at home, and 15.2% of people under 65 have no health insurance.
How do I check that my doctor and hospital are in network for 2027?
- Look up each doctor and each hospital separately in your insurer's directory, using the 2027 plan, not your current one.
- Call the doctor's billing office and ask whether they will accept the plan on January 1, 2027. Directories are sometimes out of date.
- Marketplace shoppers: choose a plan by December 15, 2026 for a January 1 start. Open enrollment runs November 1, 2026 to January 15, 2027.
- People with Medicare: you can change plans from October 15 to December 7, 2026. If you have Medicare Advantage you can change again January 1 to March 31, 2027.
- If you are in the middle of treatment, ask your insurer how it handles care that is already under way.
How can an Orlando agent help?
Health Insurance Solutions has an office at 37 N Orange Ave, Orlando, FL 32801. Call before you visit. An agent can check your doctors and hospitals against several insurers at once and explain which network fits your care.
Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.
Insurers and hospitals mentioned
Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.
- Detailed guide · FloridaFlorida Blue
- Hospital · FloridaOrlando Health
- Insurer · FloridaFlorida Blue (BlueCross BlueShield FL)
- Insurer · FloridaFlorida Blue HMO (a BlueCross BlueShield FL company)
- Insurer · FloridaUnitedHealthcare
- Medicare Advantage · FloridaFlorida Blue
- Medicare Advantage · FloridaFlorida Blue HMO
- Medicare Advantage · FloridaUnitedHealthcare
- Small-group insurer · FloridaUnitedHealthcare Insurance Company
- Small-group insurer · FloridaUnitedHealthcare of Florida, Inc.
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