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Florida Healthcare Plans | Ambetter from Sunshine Health
About Our Health Insurance Plans
Ambetter Health offers reliable health insurance plans for individuals and families.
Choose from a range of prices and coverage levels.
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Ambetter Health Premier -
Ambetter Health Value
Ambetter Health Premier
Available for 2025 coverage, Ambetter Health Premier insurance plans make it easy to find the right fit. Premier plans cover essential health services and give you access to the broadest network of care providers. You won’t even need referrals to see specialists.
Our Premier plans are available in bronze, silver and gold levels. Each metal level provides a balance of monthly premium payment and out-of-pocket expenses. Your total costs will depend on your specific plan and financial situation, but the information below represents the way plans work at each level.
Comprehensive Diabetes Care Plans
We understand the unique challenges individuals face in managing diabetes. That’s why we’re proud to introduce our specialized Enhanced Diabetes Care Silver plan tailored specifically for diabetes care.
Enhanced Diabetes Care Silver with $0 Drug Options
On the Enhanced Diabetes Care Silver plan, members can pay as little as $0 for:
- Select insulins
- Select medications used to manage diabetes and diabetes-related concerns, such as high blood pressure, high cholesterol and mental health
- Diabetic supplies, including lancets, test strips, glucometers, insulin syringes and pen needles
- Diabetic-related labs, such as HbA1c, glucose, kidney function, and albumin and microalbumin tests
- Annual retinal eye exam
- Routine foot care
Learn which specific drugs and supplies are covered by checking your plan’s formulary.
Ambetter Health Value
Value plans are affordable plans that feature a network of specific healthcare providers and hospitals. Value plan members are assigned to a primary care provider (PCP) within a medical group to coordinate care. Referrals are required for most care outside of what the PCP can provide, such as seeing a specialist.
Value plans are available in select counties in Florida and are in bronze, silver and gold metal levels. Learn more about our Value plan.
Ambetter Health Value plan options are offered in the following areas:
- Broward
- Clay
- Duval
- Hillsborough
- Lake
- Miami-Dade
- Orange
- Osceola
- Palm Beach
- Pasco
- Seminole
The information above represents the way typical plans at each level work. How much you will pay will depend on your specific plan.
Ambetter Health Select
Ambetter Health Select plans, available in Florida only through the end of 2024, feature affordable monthly premiums and give you access to an exclusive network of providers and hospitals that are recognized for quality healthcare outcomes. Select plans are often available in bronze, silver and gold metal levels.
Ambetter Health Virtual Access
Our Virtual Access plans, available only through the end of 2024, provide a virtual primary care experience. With this plan, you can enjoy the convenience of a primary care provider (PCP) no matter where you are. To see a specialist, members will simply request a referral from their Virtual Access PCP.
*Cost sharing may apply when using Virtual 24/7 Care or Virtual Primary Care. Virtual 24/7 Care cost share does not apply to HSA plans until the deductible is met and is only applicable when used through the Virtual 24/7 Care program. Ambetter Health does not provide medical care. Medical care is provided by individual providers which are independent contractors and not agents of Ambetter Health.
The information above represents the way typical plans at each level work. How much you will pay will depend on your specific plan.
Essential Health Benefits
With an Ambetter Health Marketplace health insurance plan, you have access to coverage on these essential medical and wellness services:
- Emergency Care
- Outpatient or Ambulatory Care
- Preventive & Wellness Care
- Maternity & Newborn Care
- Pediatric Care
- Mental Health and Substance Use Care
- Laboratory Services
- Prescription Drugs
- Rehabilitative Therapy Services and Devices
- Preventive and Wellness Care
Ambetter Health Member Exclusive Programs
As an Ambetter Health member, you have access to additional services to manage your health, no matter which plan you choose.*
*Programs and perks vary by market. Check your market’s availability to better understand the options in your area.
Choosing a health insurance plan that has balanced out-of-pocket costs and monthly premium payments, like a silver Premier plan, can help you save.
Watch this short video to learn more.