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Many people you help every day may ask you about health care reform. Are you prepared to answer their questions? We're here to help you every step of the way.

For agents

When assisting your clients, you may have to explain many new things related to health care reform. We will continue to provide the tools and resources you need to help your customers make the right decisions.

This site includes links to Summary of Benefits and Coverage, details about Medical Loss Ratio, impacts for Employer groups and more.

Link to AccessBlue:
AccessBlue Login
Or to ask us a question directly, click Ask a Question button.


For employers

Health care reform is a big step toward increasing access to health care coverage for all Americans. It brings a lot of changes to the benefits you offer your employees. We're here for you to let you know about changes before your health benefit plan renews so you can make the best decisions for your employees.

How are health insurance plans changing?

See Are there different kinds of plans

What are my options?

If you have employees, you have some important decisions to make.

For smaller employer groups, you may choose to

  • Keep offering your current group plan coverage (although this may no longer be required under Affordable Care Act)
  • Direct your employees to Florida Blue. We can help them compare plans and choose one from the Marketplace or directly from Florida Blue.
  • If you do not offer group coverage today, you may want to look at plans from Florida Blue or on the SHOP exchange.

For larger employer groups, you may choose to:

  • Keep offering your current group plan coverage
  • Add insurance coverage that meets the government's standard of "minimum value" and “affordability”.

Talk to your agent or sales representative so you are clear on all of your options.

For more information and a helpful timeline: Resources

Or to ask us a question directly, click Ask a Question button.


For providers

So many changes are happening for your patients. Some may be seeking new plan options, some may be happy to keep employer group plans while others may be carrying a health insurance card for the first time ever.

What's happening and when?


We can help to answer your patients' questions, too.

They can also visit a local Florida Blue Center and speak with a helpful representative face-to-face.

With so many changes, isn't it great that some things will stay the same? Some of the helpful tools you use every day are still available.

Use Availity Login to confirm coverage, benefits and patient financial responsibility

Our plan options are growing. You should continue to check the Provider Tab on our website and the Provider Manual for the latest details on plan and benefit designs.

For more information:

Centers for Medicare and Medicaid Services (CMS) – Provider Resources
American Medical Association (AMA) – Affordable Care Act
Florida Medical Association (FMA) – Legislative Resource Center
Blue Cross and Blue Shield Association (BCBSA) – Healthcare Partners

Or to ask us a question directly, click Ask a Question button.

Jason Altmire Speaks About Health Care Reform
Jason Altmire, Florida Blue’s Senior Vice President of Public Policy, Government & Community Affairs talks about health care reform (the Affordable Care Act) and the impacts to providers.