Open Enrollment Begins in...
Marketplace News

Florida Open Enrollment for 2023 (Year 10)

Father and mother happy in front of their house, holding their two young children.
Photo by Harrison Haines on Pexels.

The Open Enrollment period in Year 10 has become one of the most challenging. Of course, it’s nothing compared to Year 1, when the website didn’t work, and we were in the middle of a government shutdown. Or the challenges we faced during 2020 when we had to shift all our appointments to virtual.  

What makes this year difficult is that the Marketplace in the state of Florida is working as a Marketplace the way it was intended. That means more competition and more choice, and thus consumers are having a harder time finding a plan that fits their needs. In Central Florida, we have 10 different carriers offering 189 plans. Most of the plans are in-network with only one of our two major hospital systems. Since many group practices are now owned or operated by our hospital networks, it limits consumers’ choice of providers. One of our pediatric hospitals accepts very few Marketplace plans at all.  

Open Enrollment Period and 2023 Coverage

Another big challenge has come from the fact that new carriers entering the market in Central Florida are HMOs. That benchmark plan (second lowest cost silver plan) was, for the last few years, an EPO, which allows consumers to receive care from a specialist without a referral. That plan is now an HMO. This creates additional barriers for members who do not already have an established Primary Care Provider. These days, patients often wait months for an initial visit with a PCP, even if that provider is accepting new patients.

I remember working with a woman in her 20s enrolled in a silver HMO plan. Because she was young and healthy, she purchased coverage mainly for a catastrophic event and hadn’t bothered to establish a relationship with the assigned PCP.  She visited the emergency room with chest pains only to discover that she had a cardiac issue. The ER docs encouraged her to follow up with a cardiologist as soon as possible. But because she needed a referral for such a visit and didn’t have a PCP, her care was delayed several weeks. 

Health Insurance Marketplace Departures

We had a carrier exit the market in Florida statewide just a few weeks before Open Enrollment 2023. This plan was an EPO that didn’t require referrals for specialists and was closely affiliated with one of our major hospital networks. Members received a letter “crosswalking” them into a plan that was an HMO and affiliated with a completely different hospital network. Those consumers who don’t speak to a navigator and simply allow the Marketplace to enroll them in this plan will discover soon enough that they can no longer see their established doctors and that their medications may not be covered. 

Finally, the end of the “family glitch” which denied Florida Marketplace tax credits to spouses and children of employees with affordable employer coverage offers is a fantastic change. Yet it also means families must re-assess their options and decide what works best; navigators can help them weigh the options. There hasn’t been a lot of publicity about this change, so many families may remain uninsured into 2023 when they could have enrolled in affordable coverage. 

Open Enrollment Dates for 2023

The open enrollment process for the 2022 and 2023 plan years will begin on November 1, 2022, and end on January 15, 2023. This is the same open enrollment period that was in effect for previous years. You can enroll in a plan through the Health Insurance Marketplace, your state’s marketplace, or directly through an insurance company.

The special open enrollment period is a time when you can sign up for health insurance outside of the normal enrollment period. This is usually because you’ve had a life event, like losing your job or getting married, which means you need to get coverage. The special open enrollment period is usually shorter than the regular enrollment period, so it’s important to sign up as soon as possible.

Need Enrollment Assistance?

Covering Central Florida offers free help enrolling in health insurance through the Health Insurance Marketplace. All services are offered completely free of charge. Contact a Certified Marketplace Navigator to get started today.

Anne Packham

Anne Packham

Marketplace Project Director
[email protected]

We are Committed to Helping You Find Coverage
Experienced Team

Highly experienced and knowledgeable staff who can help you get the best coverage you need.

Certified Navigators

Our team of Marketplace Navigators is certified to help your family find the exact coverage you need.

Always No Cost

We're funded through a grant from Health and Human Services, a federal entity.

Support Available

We’re always here when you need us. We work to get the answers you need to get coverage and stay enrolled.

Open Enrollment has ended, but you may be eligible for the Special Enrollment Period.
Open Enrollment for 2023 has Started
and runs through Sunday, January, 2023.
Request Appointment
Meet with a Marketplace Navigator to determine if you qualify for special enrollment.

Covering Central Florida Marketplace Navigators are available to help answer any questions, listen to feedback, or other inquiries using our support form. All services are offered completely free of charge to everyone.

The Special Enrollment Period is a time outside the yearly Open Enrollment Period when you can sign up for health insurance based on certain life events. 

👋 Before You Go
You may qualify for year-round Health Insurance Marketplace enrollment, if your household income is no more than:

$19,320 for individuals
$26,130 for a family of 2
$32,940 for a family of 3
$39,750 for a family of 4
$46,560 for a family of 5
$53,370 for a family of 6

Covering Central Florida is federally funded, and services are offered completely free of charge.