SWFL Insurance, Author at SWFL Insurance https://swflinsurance.com/author/designer1mandmmultimedia-com/ Mon, 06 Oct 2025 02:54:17 +0000 en-US hourly 1 https://wordpress.org/?v=6.9 https://swflinsurance.com/wp-content/uploads/2024/04/favicon.png SWFL Insurance, Author at SWFL Insurance https://swflinsurance.com/author/designer1mandmmultimedia-com/ 32 32 Can I Keep My Doctor After Aetna Leaves Florida? https://swflinsurance.com/can-i-keep-my-doctor-after-aetna-leaves-florida/ Wed, 24 Sep 2025 00:14:15 +0000 https://swflinsurance.com/?p=14604 Can I Keep My Doctor After Aetna Leaves Florida? When an insurance company leaves Florida, one of the biggest worries people have is: “Will I still be able to see my doctor?” With Aetna, a CVS Health company, exiting Florida’s ACA Marketplace after December 31, 2025, and reducing certain Medicare Advantage plans, thousands of Floridians face this exact question. This decision normally will take into consideration business factors which include financial stability, markets, and the financial obligations required to operate in the marketplace of ACA. CVS health will also be eliminating some individual plans in 2026. The atmosphere regarding health insurance plans in Florida will be inconsistent and knowledge on the transition of a major insurance company is just one instance of fluctuation in the overall insurance marketplace. The good news is that you can keep your doctors and care—if you choose the right replacement plan. At SWFL Insurance, our licensed agents in Fort Myers, Naples, and Port Charlotte help you compare options like Florida Blue and other carriers to ensure your coverage aligns with your doctors and prescriptions. Understanding the Change: Why Is Aetna Leaving Florida? Aetna’s exit from the Florida Affordable Care Act (ACA) marketplace marks a major shift for individuals and families who depend on their health insurance plans for access to careThe primary driver for the insurance company’s decision is the added complexity and financial burden of navigating the ACA marketplace, which has made it difficult for some insurers to provide competitive health insurance plans in the state. Therefore based on this development, Aetna will discontinue offering all individual and family health insurance plans in Florida, and is effective January 1, 2026. This means that plan members will need to find a new health insurance plan to maintain continuous coverage and avoid unexpected out-of-pocket costs. Transitioning to a new health insurance plan will likely feel like a significant task, but if you break it down, know your options and plan accordingly you may save money and ensure that you and your family will continue to have access to the health care services that you need. Open enrollment for new health insurance plans starts on November 1 the year before, meaning you will be able to review insurance plans that are available and compare benefits, and select a plan that best meets your needs and budget. The exit of Aetna will also have an impact on health care professionals, like primary care providers and specialists, as many will be seeing changes to patient numbers and insurance plans. With fewer in-network providers contracted into Aetna, both patients and providers will need to become accustomed to an altered world of health care coverage and network providers. When deciding on a health insurance plan, it is very important to consider items such as prescription drug coverage, whether they can still access a preferred medical provider, and out-of-pocket expenses. The Inflation Reduction Act has provided changes that may ultimately influence the affordability and availability of your health insurance; therefore, it is important to stay informed of what implications these changes will have on your coverage. To help ease the transition, here are some next steps for plan members: Review your current health insurance policy to understand what changes will take effect in 2026. Explore new health insurance plans during the open enrollment period starting November 1, 2025. Consult with one of our licensed agents to review available insurance plans and find the best coverage for your health care needs and budget. Pay close attention to prescription drug coverage, network providers, and out-of-pocket costs when evaluating your options. Visit HealthCare.gov or reach out to a licensed agent for personalized assistance and to ensure you don’t miss important deadlines. By taking these proactive steps, you can maintain access to quality health care, avoid gaps in coverage, and manage your health insurance costs effectively as the Florida insurance landscape evolves. Why Networks Matter When Aetna Leaves Every health plan has a network – a group of doctors, hospitals, and pharmacies that contract with the insurance company. If you move from Aetna to another carrier, you’ll need to check if your preferred providers are in that carrier’s network. It’s essential to confirm whether your doctor is included in the plan’s network to maintain continuity of care. ACA (Marketplace) Members: Networks vary widely by carrier. Some are HMO-only with smaller networks, others offer broader PPO access. Medicare Advantage Members: Networks determine which doctors, specialists, and hospitals you can use. Choosing the wrong plan could mean losing access to your current care team. How to Make Sure You Can Keep Your Doctor Make a list of your current providers. Include your primary care provider, specialists, any medical facility you regularly use, and preferred hospitals. Work with a licensed agent. We check each doctor, primary care provider, and facility against multiple carriers’ networks and confirm if each accepts your new insurance. For Medicare plans, we also verify if the provider accepts Medicare. Confirm before you switch. Don’t assume your doctor is covered—verify with the carrier or through your agent that your provider is in-network and, if enrolling in a Medicare plan, that the provider accepts Medicare. Look at prescriptions too. Medications must be checked against the plan’s drug formulary to avoid surprises. Will Florida Blue Cover My Doctors? Florida Blue is one of the largest insurers in the state and partners with many top hospitals and medical groups. While most Floridians find their doctors in-network with Florida Blue, it’s not guaranteed. Florida Blue members have access to member-specific resources, such as the member website and customer support, to help verify provider participation. That’s why it’s critical to confirm before you enroll. SWFL Insurance will: Review your doctor list against Florida Blue’s network. Compare with other carriers like Ambetter, UnitedHealthcare, and Humana (if available). Ensure your plan covers both your providers and prescriptions. What Happens If My Doctor Isn’t In-Network? You have a few options: Choose another plan that includes your doctor (best option if available). Ask your

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]]> Can I Keep My Doctor After Aetna Leaves Florida?

When an insurance company leaves Florida, one of the biggest worries people have is: “Will I still be able to see my doctor?”

With Aetna, a CVS Health company, exiting Florida’s ACA Marketplace after December 31, 2025, and reducing certain Medicare Advantage plans, thousands of Floridians face this exact question. This decision normally will take into consideration business factors which include financial stability, markets, and the financial obligations required to operate in the marketplace of ACA. CVS health will also be eliminating some individual plans in 2026. The atmosphere regarding health insurance plans in Florida will be inconsistent and knowledge on the transition of a major insurance company is just one instance of fluctuation in the overall insurance marketplace.

The good news is that you can keep your doctors and care—if you choose the right replacement plan.

At SWFL Insurance, our licensed agents in Fort Myers, Naples, and Port Charlotte help you compare options like Florida Blue and other carriers to ensure your coverage aligns with your doctors and prescriptions.

Understanding the Change: Why Is Aetna Leaving Florida?

Aetna’s exit from the Florida Affordable Care Act (ACA) marketplace marks a major shift for individuals and families who depend on their health insurance plans for access to careThe primary driver for the insurance company’s decision is the added complexity and financial burden of navigating the ACA marketplace, which has made it difficult for some insurers to provide competitive health insurance plans in the state. Therefore based on this development, Aetna will discontinue offering all individual and family health insurance plans in Florida, and is effective January 1, 2026.

This means that plan members will need to find a new health insurance plan to maintain continuous coverage and avoid unexpected out-of-pocket costs. Transitioning to a new health insurance plan will likely feel like a significant task, but if you break it down, know your options and plan accordingly you may save money and ensure that you and your family will continue to have access to the health care services that you need. Open enrollment for new health insurance plans starts on November 1 the year before, meaning you will be able to review insurance plans that are available and compare benefits, and select a plan that best meets your needs and budget.

The exit of Aetna will also have an impact on health care professionals, like primary care providers and specialists, as many will be seeing changes to patient numbers and insurance plans. With fewer in-network providers contracted into Aetna, both patients and providers will need to become accustomed to an altered world of health care coverage and network providers.
When deciding on a health insurance plan, it is very important to consider items such as prescription drug coverage, whether they can still access a preferred medical provider, and out-of-pocket expenses. The Inflation Reduction Act has provided changes that may ultimately influence the affordability and availability of your health insurance; therefore, it is important to stay informed of what implications these changes will have on your coverage.

To help ease the transition, here are some next steps for plan members:

  1. Review your current health insurance policy to understand what changes will take effect in 2026.
  2. Explore new health insurance plans during the open enrollment period starting November 1, 2025.
  3. Consult with one of our licensed agents to review available insurance plans and find the best coverage for your health care needs and budget.
  4. Pay close attention to prescription drug coverage, network providers, and out-of-pocket costs when evaluating your options.
  5. Visit HealthCare.gov or reach out to a licensed agent for personalized assistance and to ensure you don’t miss important deadlines.

By taking these proactive steps, you can maintain access to quality health care, avoid gaps in coverage, and manage your health insurance costs effectively as the Florida insurance landscape evolves.

Why Networks Matter When Aetna Leaves

Every health plan has a network – a group of doctors, hospitals, and pharmacies that contract with the insurance company. If you move from Aetna to another carrier, you’ll need to check if your preferred providers are in that carrier’s network. It’s essential to confirm whether your doctor is included in the plan’s network to maintain continuity of care.

  • ACA (Marketplace) Members: Networks vary widely by carrier. Some are HMO-only with smaller networks, others offer broader PPO access.
  • Medicare Advantage Members: Networks determine which doctors, specialists, and hospitals you can use. Choosing the wrong plan could mean losing access to your current care team.

How to Make Sure You Can Keep Your Doctor

  1. Make a list of your current providers. Include your primary care provider, specialists, any medical facility you regularly use, and preferred hospitals.
  2. Work with a licensed agent. We check each doctor, primary care provider, and facility against multiple carriers’ networks and confirm if each accepts your new insurance. For Medicare plans, we also verify if the provider accepts Medicare.
  3. Confirm before you switch. Don’t assume your doctor is covered—verify with the carrier or through your agent that your provider is in-network and, if enrolling in a Medicare plan, that the provider accepts Medicare.
  4. Look at prescriptions too. Medications must be checked against the plan’s drug formulary to avoid surprises.

Will Florida Blue Cover My Doctors?

Florida Blue is one of the largest insurers in the state and partners with many top hospitals and medical groups. While most Floridians find their doctors in-network with Florida Blue, it’s not guaranteed. Florida Blue members have access to member-specific resources, such as the member website and customer support, to help verify provider participation. That’s why it’s critical to confirm before you enroll.

SWFL Insurance will:

  • Review your doctor list against Florida Blue’s network.
  • Compare with other carriers like Ambetter, UnitedHealthcare, and Humana (if available).
  • Ensure your plan covers both your providers and prescriptions.

What Happens If My Doctor Isn’t In-Network?

You have a few options:

  • Choose another plan that includes your doctor (best option if available).
  • Ask your doctor if they accept multiple insurance carriers.
  • Switch providers—not ideal, but sometimes necessary if your preferred doctor is not contracted with any available ACA or Medicare plan in your area. If you need to switch, it’s important to find a new doctor quickly to avoid gaps in care.

If you need to find a new provider, talk with your current doctor or family members for recommendations.

Frequently Asked Questions

Q: Will I lose my doctor when Aetna leaves Florida?

Not necessarily. If your doctor is in-network with another carrier (like Florida Blue), you can keep them by enrolling in that plan. If your provider does not accept Medicare Advantage, you may still have access through original Medicare (Part A and Part B).

Q: How do I check if my doctor is covered?

You can search carrier directories online, but working with a licensed insurance agent ensures your whole provider list is checked before you switch. Some plans require referrals to see a specialist, so it’s important to confirm these details.

Q: Are all Florida Blue doctors the same statewide?

Florida Blue has broad networks, but coverage varies by plan and county. Always verify for your location, as some plans offer different provider networks.

Q: What if I take expensive medications?

Prescription coverage varies by plan. SWFL Insurance checks drug formularies to make sure your medications are affordable under your new plan. Be sure to review premiums and out-of-pocket costs for medications.

Q: Does it cost extra to have an agent check my doctors?

No. SWFL Insurance provides this service free of charge—carriers pay us, not you.

Q: How do I qualify for Medicare or Marketplace coverage?

Eligibility is based on age (usually 65 or older for Medicare), disability, or qualifying life events such as job loss. A person may also be eligible for Marketplace coverage during special enrollment periods.

Q: What is the minimum age to enroll in Medicare?

Most people become eligible for Medicare at age 65.

Q: What are my options for individual coverage or family plans if I lose my employer-sponsored insurance?

If you have lost your employer-sponsored insurance, you can apply for individual coverage through the Marketplace or enroll in family plans (such as a spouse’s or parent’s plan) to continue with health insurance.

Q: Who can enroll in different plans after a qualifying event?

A person who experiences a qualifying event, like job loss or divorce, can enroll in individual coverage, family plans, Medicaid, or Medicare, depending on their circumstances.

Q: How do I find out which plans are available to me?

You can fill out a form online or contact a licensed insurance agent to review your options and compare available plans.

Q: Why is my ID card important?

Your ID card is important because it allows you to access your health care services and also acts as proof of your coverage when you visit your providers and pharmacies.

Q: How can I get help with my plan?

You can call the plan’s toll-free number for support, ask questions, or get assistance with your benefits.

Q: What is the difference between original Medicare and Medicare Advantage?

Original Medicare includes Part A and Part B and allows you to see any provider that accepts Medicare. Medicare Advantage plans offer additional benefits but may have network restrictions.

Q: What is the difference between HMO and PPO health insurance plans?

HMO plans provide a network of providers and most of the time prior authorization is required to see a specialist. PPO plans are more flexible and do not require referrals to see specialists.

Q: What costs should I expect with health insurance?

Key expenses include premiums, deductibles, copays, and coinsurance. You may also have to consider paying out of pocket for some services, and there are various payment options available.

Q: How does Medicare pay providers, and how does it impact participation?

Providers are paid by Medicare based on set payment rates. Sometimes, Medicare payments are lower than those of private insurance, which can affect whether providers choose to participate. What Medicare pays and the overall payment process influence provider decisions and patient access to care.

Why Work With SWFL Insurance?

  • Local offices in Fort Myers, Naples, and Port Charlotte.
  • Independent advice—we’re not tied to one insurer.
  • Personal service—we check your doctors, medications, and budget to find the right plan. We also encourage you to consult with family members for recommendations and support when choosing new providers or plans.
  • Free enrollment help—we handle the paperwork, at no cost to you.

Let Us Help

Don’t risk losing your doctors or prescriptions when Aetna leaves Florida. Let SWFL Insurance review your provider list and match you to a plan that keeps your care intact.

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]]> Aetna Insurance Leaving Florida: Local Help for Southwest Residents Losing Aetna Plans https://swflinsurance.com/southwest-residents-losing-aetna-plans/ Mon, 01 Sep 2025 10:01:39 +0000 https://swflinsurance.com/?p=14119 Suppose you live in Fort Myers, Naples, or Port Charlotte and have an Aetna health insurance plan. In that case, you may have already heard the news: Aetna is leaving Florida’s ACA Marketplace after December 31, 2025, and reducing certain Medicare Advantage plans. Aetna’s decision to pull out of the ACA Marketplace is part of a broader trend affecting the country, with major insurers reevaluating their participation in health insurance exchanges nationwide. For thousands of Southwest Florida residents, this means your coverage will soon come to an end, as Aetna, owned by CVS Health, is pulling out of the ACA Marketplace in Florida. But you don’t have to face this transition alone. At SWFL Insurance, we’ve been helping local families and seniors navigate health insurance changes for over 40 years—and we’re here to guide you every step of the way. CVS Health, Aetna’s parent company, made the strategic decision to withdraw from the exchange, impacting coverage options for many consumers. What Aetna’s Exit Means for SWFL Residents ACA Members (Under 65): Your Aetna plan will end December 31, 2025. You’ll need to enroll in a new Marketplace plan during Open Enrollment (November 1, 2025 – January 15, 2026). You will continue to have your current coverage for the rest of 2025 until the new plan year begins. Medicare Advantage Members (65+): Some Aetna Medicare Advantage plans will no longer be offered in 2025. You’ll receive a letter notifying you if your plan is ending, and you must act during Medicare AEP (October 15 – December 7, 2025). The beginning of the new coverage period will be January 1, 2026. Without taking action, you risk losing your coverage starting January 1, 2026. After receiving your letter, you will need to review your options and enroll in a new plan before the deadline. Why Local Help Matters Switching health insurance isn’t just about picking a new carrier—it’s about making sure your doctors, prescriptions, and hospitals are still covered. Online enrollment portals and 1-800 call centers don’t always give you the personalized answers you need. That is where SWFL Insurance comes in. We have offices in Fort Myers, Naples and Port Charlotte so we can provide in-person support based on our local knowledge. Because of our dedicated service, we are able to provide South Florida residents support and access to services that are his/her needs. Your Options After Aetna We help you compare the availability of alternative health insurance plans: Florida Blue: The most stable alternative, with large doctor networks and ACA & Medicare plans. They offer a variety of plan options for both individual coverage and family plans. The costs and availability of plans may vary depending on your location and needs. The ACA Marketplace program is designed to offer a range of plan options for individuals and families. SWFL Insurance can help you review the different offers from insurers to find the best fit. As an independent agency, we’re not tied to one company. We shop around for you. Contacting Aetna If you have questions about your current Aetna health insurance plan or would like assistance with your health coverage, it is easy and convenient to contact Aetna. If you are a member, you can call the Aetna member services number at 1-877-858-6507, Monday through Friday, from 7 AM to 7 PM Eastern Standard Time. If you are hard of hearing, Aetna has a separate TDD number at 800-628-3323. The Aetna member services representatives are able to assist if you need help understanding your plan, have questions about your coverage, or want to discuss your options as your current plan comes to an end. Member services will be able to speak with you when you call the member services number and provide assistance directly to you to answer your questions and/or provide information and options. Aetna wants all its members to reach out with questions or concerns about their health insurance, plan benefits, or services. So, please do not hesitate to call Aetna directly by phone for the support you may want or need during this transition. Open Enrollment Season The Open Enrollment period is your opportunity to review your health insurance choices and select a new plan for 2026. Starting November 1, 2025, you can compare health insurance plans from different companies and select the health insurance plan that best fits your needs and budget. This is the time to make sure you have the right health insurance plan in place before your current Aetna coverage ends. You can use HealthCare.gov or your state marketplace during Open Enrollment to view your available plans, compare plans and benefits, and see what other options are available to further reduce your overall costs for health coverage. Licensed health insurance agents and brokers are available to help you explore your options, follow up on your questions, and guide you through the enrollment process. If you would like help or have questions you can call the toll-free number located on the back of your ID card, and you can also use chat services to get help. How SWFL Insurance Helps Free Enrollment Help: As a licensed broker, SWFL Insurance assists you at no cost—carriers pay us, not you. Doctor & Prescription Check: We verify your providers and medications before you switch, and guide you through choosing or changing your primary care provider within the network. Steps to Change Your Plan or Provider: We outline the steps for changing your health plan or provider, including updating personal information, selecting new coverage, or switching doctors during open enrollment or after a qualifying life event. Employer-Based Coverage: If you have health insurance through your employer and need to make a change, we can help you review your options and complete the process. Local Offices: Stop by in Fort Myers, Naples, or Port Charlotte. Trusted Advisors: 40+ years serving Southwest Florida families and seniors. Frequently Asked Questions Have a question? Please send us a message or call our office. Do I have to drive to Tampa or Miami

The post Aetna Insurance Leaving Florida: Local Help for Southwest Residents Losing Aetna Plans appeared first on SWFL Insurance.

]]> Suppose you live in Fort Myers, Naples, or Port Charlotte and have an Aetna health insurance plan. In that case, you may have already heard the news: Aetna is leaving Florida’s ACA Marketplace after December 31, 2025, and reducing certain Medicare Advantage plans. Aetna’s decision to pull out of the ACA Marketplace is part of a broader trend affecting the country, with major insurers reevaluating their participation in health insurance exchanges nationwide.

For thousands of Southwest Florida residents, this means your coverage will soon come to an end, as Aetna, owned by CVS Health, is pulling out of the ACA Marketplace in Florida. But you don’t have to face this transition alone. At SWFL Insurance, we’ve been helping local families and seniors navigate health insurance changes for over 40 years—and we’re here to guide you every step of the way.

CVS Health, Aetna’s parent company, made the strategic decision to withdraw from the exchange, impacting coverage options for many consumers.

What Aetna’s Exit Means for SWFL Residents

  • ACA Members (Under 65): Your Aetna plan will end December 31, 2025. You’ll need to enroll in a new Marketplace plan during Open Enrollment (November 1, 2025 – January 15, 2026). You will continue to have your current coverage for the rest of 2025 until the new plan year begins.
  • Medicare Advantage Members (65+): Some Aetna Medicare Advantage plans will no longer be offered in 2025. You’ll receive a letter notifying you if your plan is ending, and you must act during Medicare AEP (October 15 – December 7, 2025).

The beginning of the new coverage period will be January 1, 2026.
Without taking action, you risk losing your coverage starting January 1, 2026. After receiving your letter, you will need to review your options and enroll in a new plan before the deadline.

Why Local Help Matters

Switching health insurance isn’t just about picking a new carrier—it’s about making sure your doctors, prescriptions, and hospitals are still covered. Online enrollment portals and 1-800 call centers don’t always give you the personalized answers you need.
That is where SWFL Insurance comes in. We have offices in Fort Myers, Naples and Port Charlotte so we can provide in-person support based on our local knowledge. Because of our dedicated service, we are able to provide South Florida residents support and access to services that are his/her needs.

Your Options After Aetna

We help you compare the availability of alternative health insurance plans:

  • Florida Blue: The most stable alternative, with large doctor networks and ACA & Medicare plans. They offer a variety of plan options for both individual coverage and family plans.

The costs and availability of plans may vary depending on your location and needs.
The ACA Marketplace program is designed to offer a range of plan options for individuals and families.

SWFL Insurance can help you review the different offers from insurers to find the best fit.
As an independent agency, we’re not tied to one company. We shop around for you.

Contacting Aetna

If you have questions about your current Aetna health insurance plan or would like assistance with your health coverage, it is easy and convenient to contact Aetna. If you are a member, you can call the Aetna member services number at 1-877-858-6507, Monday through Friday, from 7 AM to 7 PM Eastern Standard Time. If you are hard of hearing, Aetna has a separate TDD number at 800-628-3323. The Aetna member services representatives are able to assist if you need help understanding your plan, have questions about your coverage, or want to discuss your options as your current plan comes to an end. Member services will be able to speak with you when you call the member services number and provide assistance directly to you to answer your questions and/or provide information and options. Aetna wants all its members to reach out with questions or concerns about their health insurance, plan benefits, or services. So, please do not hesitate to call Aetna directly by phone for the support you may want or need during this transition.

Open Enrollment Season

The Open Enrollment period is your opportunity to review your health insurance choices and select a new plan for 2026. Starting November 1, 2025, you can compare health insurance plans from different companies and select the health insurance plan that best fits your needs and budget. This is the time to make sure you have the right health insurance plan in place before your current Aetna coverage ends.

You can use HealthCare.gov or your state marketplace during Open Enrollment to view your available plans, compare plans and benefits, and see what other options are available to further reduce your overall costs for health coverage. Licensed health insurance agents and brokers are available to help you explore your options, follow up on your questions, and guide you through the enrollment process. If you would like help or have questions you can call the toll-free number located on the back of your ID card, and you can also use chat services to get help.

How SWFL Insurance Helps

  • Free Enrollment Help: As a licensed broker, SWFL Insurance assists you at no cost—carriers pay us, not you.
  • Doctor & Prescription Check: We verify your providers and medications before you switch, and guide you through choosing or changing your primary care provider within the network.
  • Steps to Change Your Plan or Provider: We outline the steps for changing your health plan or provider, including updating personal information, selecting new coverage, or switching doctors during open enrollment or after a qualifying life event.
  • Employer-Based Coverage: If you have health insurance through your employer and need to make a change, we can help you review your options and complete the process.
  • Local Offices: Stop by in Fort Myers, Naples, or Port Charlotte.
  • Trusted Advisors: 40+ years serving Southwest Florida families and seniors.

Frequently Asked Questions

Have a question? Please send us a message or call our office.

Do I have to drive to Tampa or Miami to get help with my Aetna plan ending?

No. SWFL Insurance has offices right here in Fort Myers, Naples, and Port Charlotte.

Will Florida Blue be available in my county?

Yes. Florida Blue is the biggest health insurer in the state of Florida and offers ACA and Medicare plans in every Florida county.

Can you help me keep my doctor?

Yes. We’ll check every doctor and prescription against multiple plans to ensure your care continues uninterrupted.

Does it cost money to work with you?

No. Our services are free. Insurance companies pay us—your premium stays the same whether you use an agent or not.

Can you help both Medicare and ACA members?

Absolutely. We specialize in both and can guide you through either enrollment process. You can also manage your insurance account online for updates and information. If you have a question, feel free to send us a message or call for assistance.

Why Choose SWFL Insurance

    • We’re local. You’ll work with agents who live and work in your community.
    • We’re independent. We compare multiple carriers—not just one.
    • We’re experienced. For over four decades, families and seniors in Southwest Florida have trusted us with their coverage.
    • We’re personal. We’ll sit down with you, answer questions, and handle your enrollment from start to finish.
    • We help you stay informed. Stay connected with SWFL Insurance for ongoing support, updates, and to ensure you always have access to the best coverage options.

Let Us Help

If you live in Naples, Fort Myers, or Port Charlotte and your Aetna plan is ending, don’t wait until the last minute. If you or your family may qualify for Medicaid, SWFL Insurance can help you explore that option as well. Let SWFL Insurance help you make the switch smoothly and with confidence.

Schedule Your Free Plan Review Today

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]]> Florida Blue Replacing Aetna: Why It’s the Top Alternative in Florida https://swflinsurance.com/florida-blue-replacing-aetna/ Fri, 29 Aug 2025 17:46:16 +0000 https://swflinsurance.com/?p=14120 Florida Blue Replacing Aetna: Why It’s the Top Alternative in Florida With Aetna leaving Florida’s ACA Marketplace after December 31, 2025, and reducing certain Medicare Advantage plans, many Floridians are wondering: “What’s the best replacement for my Aetna plan?” Major life events—such as losing a job, getting married, or having a child—can qualify you for a special enrollment period, allowing you to change your health plan outside of open enrollment. For most, the answer is clear—Florida Blue. As the state’s largest and most stable health insurer, Florida Blue offers a wide range of ACA and Medicare Advantage plans, strong local networks, and the stability Aetna members are looking for. If you experience a qualifying life event, such as a change in family status or job loss, you may be eligible to switch plans before the standard enrollment window. At SWFL Insurance, we’re licensed, independent agents in Fort Myers, Naples, and Port Charlotte. We’ll help you with changing your plan if you end up losing coverage due to a life event, such as welcoming a new child or other family changes, and transition from your ending Aetna plan to the best Florida Blue option—or another carrier if it fits you better. Why Florida Blue? Florida Blue (Blue Cross Blue Shield of Florida) is the leading health insurer in Florida, serving nearly one-third of the state’s health insurance market. Here’s why so many Aetna members are expected to switch: Stability: Florida Blue has been in the Florida market for decades and continues to expand coverage. Large Networks: They partner with major hospitals, primary care doctors, and specialists across the state. Florida Blue’s service area is among the largest in Florida, ensuring broad access to doctors and hospitals. Plan Variety: From ACA Marketplace bronze-to-platinum tiers to Medicare Advantage HMO and PPO plans, Florida Blue has options for every budget. Florida Blue plans generally offer a range of monthly premiums, deductibles, and out-of-pocket costs to fit different budgets and help manage overall costs. Extra Benefits: Many Florida Blue plans include wellness perks like dental, vision, fitness memberships, and telehealth. Members can enjoy savings on wellness services, fitness memberships, and even discounts on items like jerseys and other items. Florida Blue covers a wide array of healthcare services, and members can review plan details, shop for plans, and pay premiums easily online. ACA Marketplace Members: Switching from Aetna to Florida Blue If you’re under 65 and enrolled in an Aetna ACA plan, here’s what switching to Florida Blue looks like: Coverage Ends: Your Aetna plan ends December 31, 2025. You will need to cancel your current Marketplace plan and sign up for a new plan during the open enrollment period. Switch Window: If you want to select a Florida Blue ACA plan, you will have the opportunity to do so when the open enrollment period is open. For the 2026 plan year, the open enrollment period is from November 1, 2025, until January 15, 2026. If you experience a qualifying event (for example, getting married, having a baby, moving, or losing other coverage) you may enroll outside of the open enrollment period. Subsidy Transfer: Any Marketplace subsidy you currently qualify for automatically applies to your new Florida Blue plan. If you experience changes, such as losing Medicaid or another qualifying event, you may be eligible for a special enrollment period. Plan Options: Florida Blue offers broad networks and coverage that works for individuals, families, and early retirees. You can contact SWFL Insurance for help with plan changes, to review your eligibility, or to get assistance with the enrollment process. If you previously managed your plan through Aetna Health, you will need to transition to Florida Blue’s member portal for your new plan. Medicare Advantage Members: Why Florida Blue Is a Strong Choice For seniors losing an Aetna Medicare Advantage plan, Florida Blue offers: Medicare Advantage HMO & PPO plans with broad networks. Florida Blue also offers Medicare Part D prescription drug coverage and options for those transitioning from Original Medicare. Extra benefits like dental, vision, hearing, and fitness programs. These services can help with emergencies and routine care alike. Local support: Florida Blue’s Medicare plans are designed specifically for Floridians. Visit the Florida Blue website or contact SWFL Insurance for details about plan services, eligibility, and out-of-pocket costs. SWFL Insurance can help you review your age and eligibility, compare plan details, and understand how much you may need to pay out of pocket. Policy Management and Customer Support When you’re dealing with health insurance, having dependable policy management tools and proactive customer support can be a game changer. When stacked up against other health insurance companies, Florida Blue is the best health insurance company in Florida to assist members’ efforts to manage their health plan and understand plan benefits. Their valuable online portals and mobile applications allow members to view their coverage, investigate claims, and find important documents at any time; making it easy to maximize access to health care sources. Another area that Florida Blue stands out is customer support. If you have general questions about your health plan, questions about your bill detail, or even just if you have an understanding of something on your coverage and you want clarification, the different support teams are there to assist. The representatives also receive training specific to how to and teach members how to use plan benefit packages, and to find solutions quickly, while supporting the ability to get care when needed. Comparatively, unlike other companies (including Aetna), Florida Blue has a walk-in presence, there are different representatives dedicated to member care, and so it is nice that you never feel lost in your insurance. Choosing a health plan isn’t just about the coverage—it’s about knowing you have a partner in your health. With Florida Blue, you can expect top-tier policy management and customer support every step of the way. Frequently Asked Questions Will Florida Blue automatically replace my Aetna plan? No. You must actively enroll in a Florida Blue plan during Open Enrollment

The post Florida Blue Replacing Aetna: Why It’s the Top Alternative in Florida appeared first on SWFL Insurance.

]]> Florida Blue Replacing Aetna: Why It’s the Top Alternative in Florida

With Aetna leaving Florida’s ACA Marketplace after December 31, 2025, and reducing certain Medicare Advantage plans, many Floridians are wondering: “What’s the best replacement for my Aetna plan?”

Major life events—such as losing a job, getting married, or having a child—can qualify you for a special enrollment period, allowing you to change your health plan outside of open enrollment.

For most, the answer is clear—Florida Blue. As the state’s largest and most stable health insurer, Florida Blue offers a wide range of ACA and Medicare Advantage plans, strong local networks, and the stability Aetna members are looking for. If you experience a qualifying life event, such as a change in family status or job loss, you may be eligible to switch plans before the standard enrollment window.

At SWFL Insurance, we’re licensed, independent agents in Fort Myers, Naples, and Port Charlotte. We’ll help you with changing your plan if you end up losing coverage due to a life event, such as welcoming a new child or other family changes, and transition from your ending Aetna plan to the best Florida Blue option—or another carrier if it fits you better.

Why Florida Blue?

Florida Blue (Blue Cross Blue Shield of Florida) is the leading health insurer in Florida, serving nearly one-third of the state’s health insurance market. Here’s why so many Aetna members are expected to switch:

  • Stability: Florida Blue has been in the Florida market for decades and continues to expand coverage.
  • Large Networks: They partner with major hospitals, primary care doctors, and specialists across the state. Florida Blue’s service area is among the largest in Florida, ensuring broad access to doctors and hospitals.
  • Plan Variety: From ACA Marketplace bronze-to-platinum tiers to Medicare Advantage HMO and PPO plans, Florida Blue has options for every budget. Florida Blue plans generally offer a range of monthly premiums, deductibles, and out-of-pocket costs to fit different budgets and help manage overall costs.
  • Extra Benefits: Many Florida Blue plans include wellness perks like dental, vision, fitness memberships, and telehealth. Members can enjoy savings on wellness services, fitness memberships, and even discounts on items like jerseys and other items.

Florida Blue covers a wide array of healthcare services, and members can review plan details, shop for plans, and pay premiums easily online.

ACA Marketplace Members: Switching from Aetna to Florida Blue

If you’re under 65 and enrolled in an Aetna ACA plan, here’s what switching to Florida Blue looks like:

  • Coverage Ends: Your Aetna plan ends December 31, 2025. You will need to cancel your current Marketplace plan and sign up for a new plan during the open enrollment period.
  • Switch Window: If you want to select a Florida Blue ACA plan, you will have the opportunity to do so when the open enrollment period is open. For the 2026 plan year, the open enrollment period is from November 1, 2025, until January 15, 2026. If you experience a qualifying event (for example, getting married, having a baby, moving, or losing other coverage) you may enroll outside of the open enrollment period.
  • Subsidy Transfer: Any Marketplace subsidy you currently qualify for automatically applies to your new Florida Blue plan. If you experience changes, such as losing Medicaid or another qualifying event, you may be eligible for a special enrollment period.
  • Plan Options: Florida Blue offers broad networks and coverage that works for individuals, families, and early retirees. You can contact SWFL Insurance for help with plan changes, to review your eligibility, or to get assistance with the enrollment process.

If you previously managed your plan through Aetna Health, you will need to transition to Florida Blue’s member portal for your new plan.

Medicare Advantage Members: Why Florida Blue Is a Strong Choice

For seniors losing an Aetna Medicare Advantage plan, Florida Blue offers:

  • Medicare Advantage HMO & PPO plans with broad networks. Florida Blue also offers Medicare Part D prescription drug coverage and options for those transitioning from Original Medicare.
  • Extra benefits like dental, vision, hearing, and fitness programs. These services can help with emergencies and routine care alike.
  • Local support: Florida Blue’s Medicare plans are designed specifically for Floridians.

Visit the Florida Blue website or contact SWFL Insurance for details about plan services, eligibility, and out-of-pocket costs.

SWFL Insurance can help you review your age and eligibility, compare plan details, and understand how much you may need to pay out of pocket.

Policy Management and Customer Support

When you’re dealing with health insurance, having dependable policy management tools and proactive customer support can be a game changer. When stacked up against other health insurance companies, Florida Blue is the best health insurance company in Florida to assist members’ efforts to manage their health plan and understand plan benefits. Their valuable online portals and mobile applications allow members to view their coverage, investigate claims, and find important documents at any time; making it easy to maximize access to health care sources.

Another area that Florida Blue stands out is customer support. If you have general questions about your health plan, questions about your bill detail, or even just if you have an understanding of something on your coverage and you want clarification, the different support teams are there to assist. The representatives also receive training specific to how to and teach members how to use plan benefit packages, and to find solutions quickly, while supporting the ability to get care when needed. Comparatively, unlike other companies (including Aetna), Florida Blue has a walk-in presence, there are different representatives dedicated to member care, and so it is nice that you never feel lost in your insurance.

Choosing a health plan isn’t just about the coverage—it’s about knowing you have a partner in your health. With Florida Blue, you can expect top-tier policy management and customer support every step of the way.

Frequently Asked Questions

Will Florida Blue automatically replace my Aetna plan?

No. You must actively enroll in a Florida Blue plan during Open Enrollment or Medicare AEP. You may be eligible for a special enrollment period if you experience qualifying life events such as getting married, having a baby, or losing coverage.

Can I keep my subsidy if I switch to Florida Blue?

Yes. If you qualify for ACA subsidies, they transfer to your new Florida Blue plan automatically. Changes in family status, such as adding a child or welcoming a new baby, can affect your eligibility for subsidies.

Are Florida Blue plans more expensive than Aetna?

Not necessarily. Many members find Florida Blue premiums comparable, and subsidies often keep your monthly premium as low as $0–$20 per month. Be sure to compare costs, deductibles, and potential savings when reviewing your options.

How do I make sure my doctor is in Florida Blue’s network?

We’ll check your doctors and prescriptions before you enroll to make sure you keep the care you need. You can also contact SWFL Insurance or visit the Florida Blue website for details about in-network providers.

Can SWFL Insurance enroll me in Florida Blue?

Yes. As licensed, independent agents, we help you compare Florida Blue alongside other carriers and handle enrollment for free. You can sign up for a new plan, cancel your old plan, and SWFL Insurance can help you with any changes or events that affect your coverage.

Why Work With SWFL Insurance Instead of Going Direct?

You could go straight to Florida Blue—but you’d only see their plans. As an independent agency, SWFL Insurance shows you Florida Blue and all other options in your county.
We encourage you to shop and compare plan details, and to contact or visit SWFL Insurance for help finding the best savings and lowest cost options. SWFL Insurance can also help determine if you are eligible for additional savings or special enrollment opportunities.

That way, you’re confident you’re making the best choice for your doctors, prescriptions, and budget.

Get Replacement Health Insurance

Don’t wait until your Aetna coverage ends. Whether you need a new ACA or Medicare plan, SWFL Insurance is ready to help you transition to Florida Blue or another top carrier.

Schedule Your Free Plan Review Today

The post Florida Blue Replacing Aetna: Why It’s the Top Alternative in Florida appeared first on SWFL Insurance.

]]> Aetna Medicare Florida Exit: Advantage Changes in Florida for 2025 – What Seniors Need to Know https://swflinsurance.com/aetna-medicare-florida-exit/ Wed, 27 Aug 2025 17:45:13 +0000 https://swflinsurance.com/?p=14113 Aetna Medicare Florida Exit: Advantage Changes in Florida for 2025 – What Seniors Need to Know Florida seniors face significant changes in 2025 as Aetna adjusts its Medicare Advantage offerings. Many Aetna plans will no longer be available in Florida, leaving thousands of beneficiaries needing to make a switch during the Medicare Annual Enrollment Period (AEP), October 15 – December 7, 2025. The exit of health insurer Aetna, a major insurance company in the Medicare market, highlights the shifting landscape for both policyholders and the broader industry. At SWFL Insurance, we’ve been guiding seniors in Fort Myers, Naples, and Port Charlotte for over 40 years. We gave licensed Medicare agents ready to help you compare alternatives—including Florida Blue, so you don’t lose coverage, doctors, or peace of mind. Recent healthcare policy changes, such as the Inflation Reduction Act, have also impacted the Medicare landscape and may have influenced insurance company decisions regarding plan availability. Introduction to Aetna Medicare Aetna Medicare is a pre-eminent provider of health insurance coverage which provides a comprehensive range of Medicare Advantage plans, Medicare Supplement plans, and prescription drug coverage specifically tuned to the unique needs of seniors and individuals who are eligible for Medicare. Aetna Medicare provides members with options for doctors, hospitals and all healthcare locations across a large network, which means as a member, you will have access to quality care across the state of Florida. In addition, Aetna Medicare makes it easy and secure to manage your plan. Aetna accepts premium payments through Instamed, so you can rest easy knowing you are paying your premiums using a trusted payment service. Members can visit the secure member site and log in to view their plan details, claims, and management of benefits any time. Aetna Medicare’s robust insurance product offering is a successful mixture of short and long-term health coverage. Whether you’re looking for a more expansive Medicare Advantage plan or a short-term Medicare Supplement plan that fills in some of the gaps in Original Medicare, Aetna Medicare will offer you flexible options to stay healthy and secure. Why Is Aetna Changing Its Medicare Advantage Plans? Aetna has scaled back its Florida Medicare Advantage options because of financial pressures and market shifts. They expect to lose roughly 10% of their Medicare Advantage membership in 2025. This means that many seniors will receive letters this fall notifying them that their plan will not be renewed. What Does This Mean for Aetna Medicare Members? If your Aetna Medicare Advantage plan is ending, you should receive an Annual Notice of Change (ANOC) in September 2025. You must choose a new plan during Medicare AEP (October 15 – December 7). If you do nothing, you may be reassigned to a different plan that might not meet your needs—or you could lose coverage entirely. Plan Benefits and Features for 2025 Aetna Medicare Advantage plans for 2025 are designed to support your health and lifestyle with a wide range of valuable benefits. In addition to robust prescription drug coverage, many plans include dental, vision, and hearing benefits to help you maintain your overall well-being. Staying active is easy with access to fitness classes and instructors through the popular SilverSneakers program, which offers instructor-led group fitness classes at locations across Florida. For added peace of mind, Aetna Medicare Advantage plans provide 24/7 access to a registered nurse hotline, so you can get health advice whenever you need it. Prescription home delivery is also available for many covered medications, making it convenient to stay on track with your treatment. With these features, Aetna Medicare Advantage plans are built to help you live your healthiest life. Changes to Special Needs Plans for 2025 In 2025, Aetna is expanding its Special Needs Plans (SNPs) to deepen the commitment to serve Medicare members with special health needs, as well as members who are eligible for a dual eligible special needs plan. Special needs plans are developed specifically to meet the needs of individuals with unique medical and financial challenges and also offer additional benefits and care coordination. Aetna is introducing new enhanced services for certain SNPs, which may include additional services like transportation for doctor visits and food delivery, specifically to assist members in overcoming barriers to care and healthcare access. Aetna’s Resources for Living can help connect members to local services and resources so that members can find help in their community. If you or someone you love has a complex health need, Aenta’s dual eligible special needs plans may help give you the additional services and benefits you need. What Are the Alternatives to Aetna Medicare Plans? Florida Blue (Blue Cross Blue Shield of Florida): The most stable Medicare carrier in the state, with a broad doctor and hospital network. Our role as independent agents is to compare all carriers in your county to find the plan that best matches your doctors, prescriptions, and budget. It’s also important to review and compare prescription drug plan (Medicare Part D) options, as coverage and premiums can change each year. Can I Keep My Doctors and Prescriptions? Yes—if you choose a plan with the right network and formulary. Every Medicare Advantage plan is different. At SWFL Insurance, we: Check your primary care and specialists against plan networks. Confirm your prescription medications are covered affordably. Review any extra benefits (dental, vision, hearing, gym memberships, and the SilverSneakers® fitness benefit, which helps seniors stay active and healthy by providing access to thousands of fitness facilities). Key Dates for Aetna Medicare Members September 2025: Aetna mails Annual Notices of Change (ANOC). October 15, 2025: Medicare Annual Enrollment Period (AEP) begins. December 7, 2025: Last day to choose a new plan. January 1, 2026: New coverage takes effect. Frequently Asked Questions Why is Aetna scaling back Medicare Advantage in Florida? Due to financial losses and market pressures, Aetna is reducing its plan offerings in the state. How do I know if my plan is ending? In September 2025, you will get an Annual Notice of Change (ANOC) from Aetna.

The post Aetna Medicare Florida Exit: Advantage Changes in Florida for 2025 – What Seniors Need to Know appeared first on SWFL Insurance.

]]> Aetna Medicare Florida Exit: Advantage Changes in Florida for 2025 – What Seniors Need to Know

Florida seniors face significant changes in 2025 as Aetna adjusts its Medicare Advantage offerings. Many Aetna plans will no longer be available in Florida, leaving thousands of beneficiaries needing to make a switch during the Medicare Annual Enrollment Period (AEP), October 15 – December 7, 2025. The exit of health insurer Aetna, a major insurance company in the Medicare market, highlights the shifting landscape for both policyholders and the broader industry.

At SWFL Insurance, we’ve been guiding seniors in Fort Myers, Naples, and Port Charlotte for over 40 years. We gave licensed Medicare agents ready to help you compare alternatives—including Florida Blue, so you don’t lose coverage, doctors, or peace of mind. Recent healthcare policy changes, such as the Inflation Reduction Act, have also impacted the Medicare landscape and may have influenced insurance company decisions regarding plan availability.

Introduction to Aetna Medicare

Aetna Medicare is a pre-eminent provider of health insurance coverage which provides a comprehensive range of Medicare Advantage plans, Medicare Supplement plans, and prescription drug coverage specifically tuned to the unique needs of seniors and individuals who are eligible for Medicare. Aetna Medicare provides members with options for doctors, hospitals and all healthcare locations across a large network, which means as a member, you will have access to quality care across the state of Florida. In addition, Aetna Medicare makes it easy and secure to manage your plan. Aetna accepts premium payments through Instamed, so you can rest easy knowing you are paying your premiums using a trusted payment service. Members can visit the secure member site and log in to view their plan details, claims, and management of benefits any time. Aetna Medicare’s robust insurance product offering is a successful mixture of short and long-term health coverage. Whether you’re looking for a more expansive Medicare Advantage plan or a short-term Medicare Supplement plan that fills in some of the gaps in Original Medicare, Aetna Medicare will offer you flexible options to stay healthy and secure.

Why Is Aetna Changing Its Medicare Advantage Plans?

Aetna has scaled back its Florida Medicare Advantage options because of financial pressures and market shifts. They expect to lose roughly 10% of their Medicare Advantage membership in 2025. This means that many seniors will receive letters this fall notifying them that their plan will not be renewed.

What Does This Mean for Aetna Medicare Members?

  • If your Aetna Medicare Advantage plan is ending, you should receive an Annual Notice of Change (ANOC) in September 2025.
  • You must choose a new plan during Medicare AEP (October 15 – December 7).
  • If you do nothing, you may be reassigned to a different plan that might not meet your needs—or you could lose coverage entirely.

Plan Benefits and Features for 2025

Aetna Medicare Advantage plans for 2025 are designed to support your health and lifestyle with a wide range of valuable benefits. In addition to robust prescription drug coverage, many plans include dental, vision, and hearing benefits to help you maintain your overall well-being. Staying active is easy with access to fitness classes and instructors through the popular SilverSneakers program, which offers instructor-led group fitness classes at locations across Florida. For added peace of mind, Aetna Medicare Advantage plans provide 24/7 access to a registered nurse hotline, so you can get health advice whenever you need it. Prescription home delivery is also available for many covered medications, making it convenient to stay on track with your treatment. With these features, Aetna Medicare Advantage plans are built to help you live your healthiest life.

Changes to Special Needs Plans for 2025

In 2025, Aetna is expanding its Special Needs Plans (SNPs) to deepen the commitment to serve Medicare members with special health needs, as well as members who are eligible for a dual eligible special needs plan. Special needs plans are developed specifically to meet the needs of individuals with unique medical and financial challenges and also offer additional benefits and care coordination. Aetna is introducing new enhanced services for certain SNPs, which may include additional services like transportation for doctor visits and food delivery, specifically to assist members in overcoming barriers to care and healthcare access. Aetna’s Resources for Living can help connect members to local services and resources so that members can find help in their community. If you or someone you love has a complex health need, Aenta’s dual eligible special needs plans may help give you the additional services and benefits you need.

What Are the Alternatives to Aetna Medicare Plans?

  • Florida Blue (Blue Cross Blue Shield of Florida): The most stable Medicare carrier in the state, with a broad doctor and hospital network.

Our role as independent agents is to compare all carriers in your county to find the plan that best matches your doctors, prescriptions, and budget. It’s also important to review and compare prescription drug plan (Medicare Part D) options, as coverage and premiums can change each year.

Can I Keep My Doctors and Prescriptions?

Yes—if you choose a plan with the right network and formulary. Every Medicare Advantage plan is different. At SWFL Insurance, we:

  • Check your primary care and specialists against plan networks.
  • Confirm your prescription medications are covered affordably.
  • Review any extra benefits (dental, vision, hearing, gym memberships, and the SilverSneakers® fitness benefit, which helps seniors stay active and healthy by providing access to thousands of fitness facilities).

Key Dates for Aetna Medicare Members

  • September 2025: Aetna mails Annual Notices of Change (ANOC).
  • October 15, 2025: Medicare Annual Enrollment Period (AEP) begins.
  • December 7, 2025: Last day to choose a new plan.
  • January 1, 2026: New coverage takes effect.

Frequently Asked Questions

Why is Aetna scaling back Medicare Advantage in Florida?

Due to financial losses and market pressures, Aetna is reducing its plan offerings in the state.

How do I know if my plan is ending?

In September 2025, you will get an Annual Notice of Change (ANOC) from Aetna.

What happens if I don’t pick a new plan?

You may lose coverage or be reassigned to a plan that doesn’t fit your needs.

What are the best alternatives to Aetna Medicare plans?

Florida Blue and UnitedHealthcare are among the most stable options in Florida.

Can SWFL Insurance help me compare Medicare plans?

Yes. Our local licensed agents compare plans from multiple carriers and help you enroll—at no cost to you.

Why Choose SWFL Insurance?

  • Local offices: Fort Myers, Naples, and Port Charlotte.
  • We’re not tied to one insurer—we compare them all.
  • Trusted experience: 40+ years serving Southwest Florida seniors.
  • Personal support: Speak with a local Medicare expert, not a call center.

Ready to Find a Replacement Healthcare Plan?

If your Aetna Medicare Advantage plan is ending, don’t wait until the December 7 deadline. Let us help you compare options and transition smoothly to a new plan.

Schedule Your Free Medicare Plan Review Today

The post Aetna Medicare Florida Exit: Advantage Changes in Florida for 2025 – What Seniors Need to Know appeared first on SWFL Insurance.

]]> Aetna Will Leave Florida Effective End of 2025: What Marketplace Customers Must Know https://swflinsurance.com/aetna-will-leave-florida/ Mon, 25 Aug 2025 17:43:41 +0000 https://swflinsurance.com/?p=14110 Aetna Will Leave Florida Effective End of 2025: What Marketplace Customers Must Know There are going to be notable changes in Florida health insurance beginning in 2025. Aetna’s exit from the Affordable Care Act (ACA) Marketplace in Florida after December 31, 2025 will have direct implications for customers who are enrolled in Aetna ACA plans. As a customer enrolled in the coverage, you would now need to select new coverage effective for 2026 during Open Enrollment next year. Aetna pulled out of the Florida ACA marketplace, therefore, affecting customers who use their ACA plans by having to determine new insurance options, impacting their coverage options and costs. At SWFL Insurance, we’re here to make that transition smooth. As a local, independent agency serving Fort Myers, Naples, and Port Charlotte for 40+ years, we’ll walk you through your options—including Florida Blue and other trusted carriers—so you don’t lose coverage or benefits. Aetna’s decision is a business move in response to market pressures and changing conditions in the healthcare industry. Understanding the ACA Marketplace The Affordable Care Act (ACA) marketplace is the central hub where individuals and families can search for health insurance coverage that fit their needs and budget. Developed to make health care coverage more accessible and affordable, the ACA marketplace—sometimes called the exchange—offers a variety of plan options from trusted insurance companies like Blue Cross Blue Shield, and Molina Healthcare. Plans are organized into multiple tiers (bronze, silver, gold, and platinum), each option offering different levels of coverage and monthly premiums to suit a range of healthcare needs and financial situations. The ACA marketplace offers one of the best advantages of being able to apply for tax credits and subsidies which can greatly reduce your health insurance costs. There are many Floridians who qualify for enhanced subsidies making health insurance more accessible than ever. The Marketplace offers a transparent way to compare plans, review benefits, and make the right choice for either individual or family coverage. Revisit how the ACA marketplace works to help you prepare for Aetna’s exit so you can make informed choices about your next health insurance plan. Why Is Aetna Leaving Florida’s ACA Marketplace? Aetna’s decision comes down to financial pressure. Recently, CVS reported earnings that highlighted ongoing challenges in the ACA marketplace, which contributed to the decision to exit. Rising medical costs and ongoing losses made it unsustainable for them to stay in the ACA market. While this may sound alarming, the good news is that other insurers remain active in Florida, and many offer plans with strong networks and affordable premiums. Parent Company and Implications CVS Health, Aetna’s parent company, has decided to leave the ACA marketplace. This impacts roughly one million Aetna members across the country. CVS Health is able to invest its energy elsewhere, as its more profitable pharmacy services and new treatments (i.e., weight-loss medication) provide the basis for the Aetna exit. As consumers are faced with higher costs and fewer plan options in the ACA marketplace, opportunity also opens for other insurance companies—such as Blue Cross Blue Shield and Molina Healthcare—to replace existing plans from Aetna. This will require Aetna members to undergo another thorough assessment of any alternative health insurance coverage for 2026. While this exit may create some interruption in case, the marketplace under the ACA was created to provide a valve for continuing access to health care. There are other companies to continue engaging with competitive plans. CVS Health’s exit mirrors social trends in many sectors of the health insurance industry. Rest assured there are still viable resources for your health and budget needs. When Does Aetna Coverage End? Your Aetna ACA Marketplace plan is expected to end on December 31, 2025. Open enrollment is scheduled to begin in the fall, specifically in November 2025. You will need to enroll in a new plan between November 1, 2025, and January 15, 2026. If you do nothing, you’ll lose health coverage starting January 1, 2026. What Should I Do If My Aetna ACA Plan Is Ending? Here are the steps to take: Review your Aetna notice — you’ll get official mail explaining when your plan ends. Compare new health plans available on ACA exchanges — Florida Blue, Ambetter, Oscar, and other carriers will still be on the Marketplace. Check your doctors and prescriptions — make sure they’re covered under your new plan. Apply for subsidies — your income will determine your eligibility for subsidies, and your current subsidy (if you qualify) will transfer to your new plan. Get help enrolling — working with a licensed local agent or broker can help you compare health plans and save money, making the process faster and less stressful. Policy Management and Customer Experience During the Transition As Aetna approaches its departure from the ACA marketplace, Aetna members will need to take an active role in paying attention to their health insurance policies and getting new coverage for 2026. Aetna is providing Aetna members with various methods to help facilitate this transition, including various online tools and the Aetna Health app, which allow you to access your plan information, review coverage information, and pay claims. These digital services are meant to empower members to stay informed and organized throughout the process of transitioning to another health plan. In addition to Aetna’s assistance, health insurance brokers and the federal government will provide assistance and outreach to help you through this process. Licensed brokers will be able to answer questions, perform apples-to-apples plan comparisons, and facilitate enrollment so that you can have the coverage that suits your needs. Aetna will closely monitor the customer experience throughout this newly established process and ensure high standards in service, complaint resolution, and ratings for quality in Medicare plans. The goal is to guide you through the transition to another ACA plan with as little disruption and stress as possible. Will My Subsidy Carry Over? Yes. If you qualify for ACA subsidies, your eligibility is based on your income, and subsidies will be transferred to your

The post Aetna Will Leave Florida Effective End of 2025: What Marketplace Customers Must Know appeared first on SWFL Insurance.

]]> Aetna Will Leave Florida Effective End of 2025: What Marketplace Customers Must Know

There are going to be notable changes in Florida health insurance beginning in 2025. Aetna’s exit from the Affordable Care Act (ACA) Marketplace in Florida after December 31, 2025 will have direct implications for customers who are enrolled in Aetna ACA plans. As a customer enrolled in the coverage, you would now need to select new coverage effective for 2026 during Open Enrollment next year. Aetna pulled out of the Florida ACA marketplace, therefore, affecting customers who use their ACA plans by having to determine new insurance options, impacting their coverage options and costs.

At SWFL Insurance, we’re here to make that transition smooth. As a local, independent agency serving Fort Myers, Naples, and Port Charlotte for 40+ years, we’ll walk you through your options—including Florida Blue and other trusted carriers—so you don’t lose coverage or benefits. Aetna’s decision is a business move in response to market pressures and changing conditions in the healthcare industry.

Understanding the ACA Marketplace

The Affordable Care Act (ACA) marketplace is the central hub where individuals and families can search for health insurance coverage that fit their needs and budget. Developed to make health care coverage more accessible and affordable, the ACA marketplace—sometimes called the exchange—offers a variety of plan options from trusted insurance companies like Blue Cross Blue Shield, and Molina Healthcare. Plans are organized into multiple tiers (bronze, silver, gold, and platinum), each option offering different levels of coverage and monthly premiums to suit a range of healthcare needs and financial situations.

The ACA marketplace offers one of the best advantages of being able to apply for tax credits and subsidies which can greatly reduce your health insurance costs. There are many Floridians who qualify for enhanced subsidies making health insurance more accessible than ever. The Marketplace offers a transparent way to compare plans, review benefits, and make the right choice for either individual or family coverage. Revisit how the ACA marketplace works to help you prepare for Aetna’s exit so you can make informed choices about your next health insurance plan.

Why Is Aetna Leaving Florida’s ACA Marketplace?

Aetna’s decision comes down to financial pressure. Recently, CVS reported earnings that highlighted ongoing challenges in the ACA marketplace, which contributed to the decision to exit. Rising medical costs and ongoing losses made it unsustainable for them to stay in the ACA market. While this may sound alarming, the good news is that other insurers remain active in Florida, and many offer plans with strong networks and affordable premiums.

Parent Company and Implications

CVS Health, Aetna’s parent company, has decided to leave the ACA marketplace. This impacts roughly one million Aetna members across the country. CVS Health is able to invest its energy elsewhere, as its more profitable pharmacy services and new treatments (i.e., weight-loss medication) provide the basis for the Aetna exit. As consumers are faced with higher costs and fewer plan options in the ACA marketplace, opportunity also opens for other insurance companies—such as Blue Cross Blue Shield and Molina Healthcare—to replace existing plans from Aetna.

This will require Aetna members to undergo another thorough assessment of any alternative health insurance coverage for 2026. While this exit may create some interruption in case, the marketplace under the ACA was created to provide a valve for continuing access to health care. There are other companies to continue engaging with competitive plans. CVS Health’s exit mirrors social trends in many sectors of the health insurance industry. Rest assured there are still viable resources for your health and budget needs.

When Does Aetna Coverage End?

  • Your Aetna ACA Marketplace plan is expected to end on December 31, 2025.
  • Open enrollment is scheduled to begin in the fall, specifically in November 2025. You will need to enroll in a new plan between November 1, 2025, and January 15, 2026.
  • If you do nothing, you’ll lose health coverage starting January 1, 2026.

What Should I Do If My Aetna ACA Plan Is Ending?

Here are the steps to take:

  1. Review your Aetna notice — you’ll get official mail explaining when your plan ends.
  2. Compare new health plans available on ACA exchanges — Florida Blue, Ambetter, Oscar, and other carriers will still be on the Marketplace.
  3. Check your doctors and prescriptions — make sure they’re covered under your new plan.
  4. Apply for subsidies — your income will determine your eligibility for subsidies, and your current subsidy (if you qualify) will transfer to your new plan.
  5. Get help enrolling — working with a licensed local agent or broker can help you compare health plans and save money, making the process faster and less stressful.

Policy Management and Customer Experience During the Transition

As Aetna approaches its departure from the ACA marketplace, Aetna members will need to take an active role in paying attention to their health insurance policies and getting new coverage for 2026. Aetna is providing Aetna members with various methods to help facilitate this transition, including various online tools and the Aetna Health app, which allow you to access your plan information, review coverage information, and pay claims. These digital services are meant to empower members to stay informed and organized throughout the process of transitioning to another health plan.

In addition to Aetna’s assistance, health insurance brokers and the federal government will provide assistance and outreach to help you through this process. Licensed brokers will be able to answer questions, perform apples-to-apples plan comparisons, and facilitate enrollment so that you can have the coverage that suits your needs. Aetna will closely monitor the customer experience throughout this newly established process and ensure high standards in service, complaint resolution, and ratings for quality in Medicare plans. The goal is to guide you through the transition to another ACA plan with as little disruption and stress as possible.

Will My Subsidy Carry Over?

Yes. If you qualify for ACA subsidies, your eligibility is based on your income, and subsidies will be transferred to your new plan automatically. Many Floridians are eligible for $0 to $20 per month premiums thanks to subsidies, which can help you save money on your health insurance premiums. We’ll calculate your eligibility and make sure you maximize savings. If your income is below a certain threshold, you may qualify for Medicaid instead of an ACA plan.

Can I Keep My Doctor After Switching Plans?

It depends on which new health plan you choose. Different health plans have their own doctor networks. At SWFL Insurance, we’ll check whether your preferred doctors and hospitals are included to ensure continuity of care.

Exploring the ACA Exchange: How to Shop for New Coverage

If you’re affected by Aetna’s exit from the ACA marketplace, shopping for new health insurance coverage is a crucial next step. The ACA exchange—also known as HealthCare.gov—is your go-to platform for comparing and purchasing health insurance plans from a variety of companies. During open enrollment, which starts November 1, 2025, you’ll have the opportunity to review plan options, check monthly premiums, and apply for tax credits and subsidies that can lower your costs.

When looking for new coverage, you need to assess plan benefits, network availability, and the total out-of-pocket cost of the plan to ensure the plan you select meets your health care needs and fits your budget as well. When assessing your plan options, make sure that your doctors and hospitals are included in coverage and assess any additional benefits like prescription drug coverage or wellness plan. You can also reach out to health insurance brokers and navigators who can provide personalized assistance, support you along the way, answer your questions, and help you enroll in the plan that best fits your needs for you and your family. Invest some time when reviewing your options on the ACA exchange so that you can secure quality coverage for 2026 and beyond!

What Are the Best Alternatives to Aetna ACA Plans?

When Aetna exits Florida’s ACA marketplace at the end of 2025, thousands of residents will be required to choose a new health plan for 2026. This exit will impact all Aetna individual and family plans, making it essential for current policyholders to find alternative coverage. For those searching for stability and comprehensive coverage, Florida Blue is the strongest alternative. As the largest insurance company offering plans on state marketplaces in Florida, Florida Blue offers broad provider networks, competitive plan options, and the financial stability that many families and individuals depend on. SWFL Insurance is uniquely positioned to help with this transition. As an authorized Florida Blue agency, we provide hands-on, personalized guidance to compare plan benefits, confirm that your preferred doctors and hospitals remain in-network, and secure subsidies that can reduce monthly premiums—often to as low as $0 for qualifying households. Unlike call centers or direct sales, our local team in Fort Myers, Naples, and Port Charlotte will walk you through each step of enrollment, ensuring you replace your Aetna individual and family plan with the right Florida Blue coverage tailored to your needs. For Aetna members facing uncertainty, SWFL Insurance offers clarity, trusted local expertise, and seamless enrollment support into Florida Blue replacement plans.
You can also compare options from different insurance companies on state marketplaces to find the best individual and family plans for your situation.

Medicare Advantage Options for Eligible Members

You should consider Medicare Advantage plans as an option for 2026 if you are an eligible Medicare Aetna member. Medicare Advantage Plans are offered by private insurers, mainly Blue Cross Blue Shield. These alternatives to Original Medicare are more integrated policies which include additional benefits such as prescriptions, dental, vision and wellness.

When you are researching options related to Medicare Advantage plans, be sure to investigate the benefits, the availability of a network and the costs, so you can identify a Medicare Advantage plan that meets your health care needs and your budget. The star rating system in Medicare is helpful as a handy guide for assessing quality and performance of the plan. Always compare more than one plan, verifying that your doctors and hospitals are in the network, and think about any other available services that could be applicable to you. With the appropriate research and a competent broker, you can transition into a Medicare Advantage plan that provides the coverage and the benefits that are suitable for your health care needs over the next several years.

Why Work With SWFL Insurance?

  • Local expertise: Offices in Fort Myers, Naples, and Port Charlotte.
  • Independent advice: We’re not tied to one carrier—we shop multiple plans for you.
  • No-cost help: Our services are free. Carriers pay us, not you.
  • Personal service: Speak with a real local agent, not a 1-800 call center.

Key Dates for ACA Members Losing Aetna

  • October 2025: Aetna sends final notices.
  • November 1, 2025: ACA Open Enrollment begins.
  • December 15, 2025: Deadline for coverage starting January 1, 2026.
  • January 15, 2026: Final deadline for ACA enrollment.

Frequently Asked Questions

Why is Aetna leaving Florida’s ACA Marketplace?

Aetna is exiting due to financial losses and rising costs.

When does my Aetna ACA plan end?

Your plan ends December 31, 2025.

What happens if I do nothing?

Your coverage will end, and you’ll be uninsured starting January 1, 2026.

Can I switch to Florida Blue?

Yes. Florida Blue is a leading replacement option, and we can help enroll you.

How much will a new plan cost me?

With subsidies, many Floridians qualify for $0–$20 per month plans.

Don’t wait until the last minute to replace your Aetna plan. SWFL Insurance has been helping Floridians navigate health insurance for more than 40 years.
Schedule Your Free ACA Plan Review Today

The post Aetna Will Leave Florida Effective End of 2025: What Marketplace Customers Must Know appeared first on SWFL Insurance.

]]> Aetna Exiting Florida 2025: What it Means For You And How To Stay Covered In 2026 https://swflinsurance.com/aetna-exiting-florida/ Sat, 23 Aug 2025 08:43:38 +0000 https://swflinsurance.com/?p=14105 Aetna Exiting Florida 2025: What it Means For You And How To Stay Covered In 2026 Aetna Coverage in Florida Is Ending Aetna has announced it will be exiting Florida’s ACA Marketplace after December 31, 2025, and scale back some Medicare Advantage plans in Florida for 2025. Aetna is exiting the ACA exchange in Florida, impacting Individual and Family plans. If you are an Aetna member, your coverage will end before 2026 unless you take action. At SWFL Insurance, we’re a local, independent agency that has served the Fort Myers, Naples, and Port Charlotte communities for more than 40 years. As a broker, we help Florida residents smoothly transition from ending Aetna plans to new coverage options—including Florida Blue and other trusted insurers, as well as alternative programs like Medicaid or CHIP—so you won’t lose access to doctors, prescriptions, or benefits. Our services are designed to help you navigate your choices and ensure you have the support you need. Get Free Enrollment Help The Facts About Aetna Leaving Florida ACA Marketplace: Aetna’s individual health plans end December 31, 2025. Members must select a new plan during Open Enrollment (November 1, 2025 – January 15, 2026). There is concern about ongoing federal policy uncertainty, as decisions by the federal government—including Congress and the Department of Health and Human Services—continue to shape the ACA marketplace. Enhanced subsidies have significantly improved affordability, however the loss of subsidies can increase costs for enrollees and reduce insurers participation. As a consumer, a plan switch will incur consumer resources, time, and effort understanding the options and understanding your continuity of care. Changing policy can direct resources to patients and the healthcare system more efficiently and reduce costs. Medicare Advantage: Aetna is reducing availability in Florida for 2025, and some plans will no longer be offered. Why: Financial losses, rising costs, and ongoing regulatory hurdles were reasons for CVS’s decision. There have been substantial profit increases reported in other areas of the business, but Aetna’s ACA business was stagnant. There is potential for individuals to lose money transitioning from a lower-cost plan to a higher-cost plan. This exit will impact thousands of Floridians, particularly the patients that count on Aetna for coverage. There are limitations to this analysis, as it focuses on specific plans and populations and may not capture the full impact on all affected individuals. The bottom line: Aetna’s exit will disrupt coverage, increase uncertainty, and require additional resources from consumers and the healthcare system. Impact of Aetna’s Exit on Florida Residents Aetna’s decision to leave the Affordable Care Act (ACA) marketplace in Florida means that thousands of individuals and families will need to find a new health insurance plan for 2026. If you currently rely on Aetna for your health coverage, please note that your current plan will no longer be available after the end of 2025. This change may reduce the number of insurance companies and plan options in the state, making it even more important to review your choices during the open enrollment period. Although Aetna exiting Florida may seem troublesome, eating the competition Aetna leaves behind are other health insurance companies, like Ambetter or Oscar Health, that are entering Florida and offering new plans, both for individuals and families. Whether it is with HealthCare.gov or licensed agents who can help you explore and examine of all the plans available and help you identify the best new plan for you, if you act on the open enrollment period, you will be able to prevent a gap in coverage, and protect your family’s health safety and financial coverage. Your Options After Aetna We can help you transition to: Florida Blue: The largest and most stable health insurer in Florida. Individual coverage: Options available if you need a plan outside of employer-sponsored insurance. Personalized plan comparison: We match your doctors, prescriptions, and budget to the right plan. Shop for new plans: You can shop and compare plans during open enrollment. If you have access to coverage through your employer, consider enrolling in an employer-sponsored plan. Compare Plans Now Exploring the ACA Marketplace The ACA marketplace, aka health insurance exchange, is your portal to affordable health insurance plans for individuals and families. Review plan options, including bronze, silver, gold, and platinum hospitals, each providing the same coverage but providing different costs based on your specific needs and budget. By visiting HealthCare.gov, you can start to compare plans, check which doctors and hospitals are in-network, and see if you qualify for valuable tax credits or other savings. If you or your family are eligible, the ACA marketplace can also provide access to Medicaid and the Children’s Health Insurance Program (CHIP). With Aetna’s departure, it’s a good time to check out the marketplace and learn about your new coverage. CVS Health, Aetna parent company, will continue supporting the members until 2025.Still, you’ll need to enroll in a new health insurance plan during the open enrollment period to maintain uninterrupted coverage in 2026. Take advantage of this opportunity to review your plan options, compare costs, and ensure you have the health benefits you need for the year ahead. Qualifying Life Events and Special Enrollment Life can change quickly, and certain events—known as qualifying life events—can make you eligible to enroll in a new health insurance plan or make changes to your current coverage outside the standard open enrollment period. Common qualifying life events include losing your job-based coverage, getting married, having a baby, or moving to a new area. When one of these events occurs, you may qualify for a special enrollment period, giving you the chance to secure a new plan and maintain your health coverage without waiting for the next open enrollment window. Understanding what counts as a qualifying life event and how to navigate the special enrollment process is key to protecting your health and plan benefits. If you experience a qualifying life event, visit HealthCare.gov or reach out to licensed agents for guidance on your plan options and the steps to enroll. By

The post Aetna Exiting Florida 2025: What it Means For You And How To Stay Covered In 2026 appeared first on SWFL Insurance.

]]> Aetna Exiting Florida 2025: What it Means For You And How To Stay Covered In 2026

Aetna Coverage in Florida Is Ending

Aetna has announced it will be exiting Florida’s ACA Marketplace after December 31, 2025, and scale back some Medicare Advantage plans in Florida for 2025. Aetna is exiting the ACA exchange in Florida, impacting Individual and Family plans.

If you are an Aetna member, your coverage will end before 2026 unless you take action.
At SWFL Insurance, we’re a local, independent agency that has served the Fort Myers, Naples, and Port Charlotte communities for more than 40 years. As a broker, we help Florida residents smoothly transition from ending Aetna plans to new coverage options—including Florida Blue and other trusted insurers, as well as alternative programs like Medicaid or CHIP—so you won’t lose access to doctors, prescriptions, or benefits. Our services are designed to help you navigate your choices and ensure you have the support you need.

Get Free Enrollment Help

The Facts About Aetna Leaving Florida

  • ACA Marketplace: Aetna’s individual health plans end December 31, 2025. Members must select a new plan during Open Enrollment (November 1, 2025 – January 15, 2026). There is concern about ongoing federal policy uncertainty, as decisions by the federal government—including Congress and the Department of Health and Human Services—continue to shape the ACA marketplace. Enhanced subsidies have significantly improved affordability, however the loss of subsidies can increase costs for enrollees and reduce insurers participation. As a consumer, a plan switch will incur consumer resources, time, and effort understanding the options and understanding your continuity of care. Changing policy can direct resources to patients and the healthcare system more efficiently and reduce costs.
  • Medicare Advantage: Aetna is reducing availability in Florida for 2025, and some plans will no longer be offered.
  • Why: Financial losses, rising costs, and ongoing regulatory hurdles were reasons for CVS’s decision. There have been substantial profit increases reported in other areas of the business, but Aetna’s ACA business was stagnant. There is potential for individuals to lose money transitioning from a lower-cost plan to a higher-cost plan. This exit will impact thousands of Floridians, particularly the patients that count on Aetna for coverage.

There are limitations to this analysis, as it focuses on specific plans and populations and may not capture the full impact on all affected individuals. The bottom line: Aetna’s exit will disrupt coverage, increase uncertainty, and require additional resources from consumers and the healthcare system.

Impact of Aetna’s Exit on Florida Residents

Aetna’s decision to leave the Affordable Care Act (ACA) marketplace in Florida means that thousands of individuals and families will need to find a new health insurance plan for 2026. If you currently rely on Aetna for your health coverage, please note that your current plan will no longer be available after the end of 2025. This change may reduce the number of insurance companies and plan options in the state, making it even more important to review your choices during the open enrollment period.

Although Aetna exiting Florida may seem troublesome, eating the competition Aetna leaves behind are other health insurance companies, like Ambetter or Oscar Health, that are entering Florida and offering new plans, both for individuals and families. Whether it is with HealthCare.gov or licensed agents who can help you explore and examine of all the plans available and help you identify the best new plan for you, if you act on the open enrollment period, you will be able to prevent a gap in coverage, and protect your family’s health safety and financial coverage.

Your Options After Aetna

We can help you transition to:

  • Florida Blue: The largest and most stable health insurer in Florida.
  • Individual coverage: Options available if you need a plan outside of employer-sponsored insurance.
  • Personalized plan comparison: We match your doctors, prescriptions, and budget to the right plan.
  • Shop for new plans: You can shop and compare plans during open enrollment.

If you have access to coverage through your employer, consider enrolling in an employer-sponsored plan.

Compare Plans Now

Exploring the ACA Marketplace

The ACA marketplace, aka health insurance exchange, is your portal to affordable health insurance plans for individuals and families. Review plan options, including bronze, silver, gold, and platinum hospitals, each providing the same coverage but providing different costs based on your specific needs and budget. By visiting HealthCare.gov, you can start to compare plans, check which doctors and hospitals are in-network, and see if you qualify for valuable tax credits or other savings.

If you or your family are eligible, the ACA marketplace can also provide access to Medicaid and the Children’s Health Insurance Program (CHIP). With Aetna’s departure, it’s a good time to check out the marketplace and learn about your new coverage. CVS Health, Aetna parent company, will continue supporting the members until 2025.Still, you’ll need to enroll in a new health insurance plan during the open enrollment period to maintain uninterrupted coverage in 2026. Take advantage of this opportunity to review your plan options, compare costs, and ensure you have the health benefits you need for the year ahead.

Qualifying Life Events and Special Enrollment

Life can change quickly, and certain events—known as qualifying life events—can make you eligible to enroll in a new health insurance plan or make changes to your current coverage outside the standard open enrollment period. Common qualifying life events include losing your job-based coverage, getting married, having a baby, or moving to a new area. When one of these events occurs, you may qualify for a special enrollment period, giving you the chance to secure a new plan and maintain your health coverage without waiting for the next open enrollment window.

Understanding what counts as a qualifying life event and how to navigate the special enrollment process is key to protecting your health and plan benefits. If you experience a qualifying life event, visit HealthCare.gov or reach out to licensed agents for guidance on your plan options and the steps to enroll. By acting quickly, you can ensure you and your family continue to receive quality care and enjoy the full benefits of your health insurance plan throughout the year.

Why Work With SWFL Insurance

  • Local, independent experts: Offices in Fort Myers, Naples, and Port Charlotte.
  • Full-service agency: Medicare, health, home, auto, and business.
  • Free enrollment help: No fees for our guidance—carriers pay us, not you.
  • Personal touch: Real people, not a 1-800 call center.

Timeline to Act

  • Summer 2025: Review your current Aetna coverage.
  • Fall 2025: Attend a free workshop or book a one-on-one consultation.
  • Oct–Dec 2025: Medicare Annual Enrollment (October 15 – December 7).
  • Nov 2025 – Jan 2026: ACA Open Enrollment (November 1 – January 15).

Don’t wait until the last minute—early enrollment ensures uninterrupted coverage.

Frequently Asked Questions

1. Why is Aetna leaving Florida?

Aetna is leaving due to ongoing financial losses and rising healthcare costs.

2. When does Aetna coverage end in Florida?

ACA plans end December 31, 2025. Some Medicare Advantage plans will end earlier in 2025, depending on your county.

3. What happens if I do nothing?

If you take no action, your Aetna plan will terminate at the end of 2025, and you will be uninsured starting January 1, 2026.

4. What are my options after Aetna leaves?

You can choose a new ACA plan (Florida Blue, Ambetter, etc.) or a new Medicare Advantage/Supplement plan. We compare options based on your needs.

5. Can I keep my doctor after Aetna exits?

Yes—if your doctor is in-network with your new carrier. We help verify doctor networks so you don’t lose care continuity.

6. What is the deadline to switch plans?
  • Medicare: October 15 – December 7, 2025
  • ACA Marketplace: November 1, 2025 – January 15, 2026
7. Will Florida Blue take the place of Aetna?

Florida Blue is the top alternative, and we anticipate a good number of displaced Aetna members to enroll with Florida Blue.

8. If I switch from Aetna, how do subsidies work?

If you qualify for ACA subsidies they will transfer to your new plan. Many Floridians are paying $0–$20 a month with subsidies.

9. What about Aetna Medicare Advantage members?

Some Aetna Medicare Advantage plans will no longer be offered in 2025. If yours is ending, you’ll get a notice and must switch during Medicare’s Annual Enrollment Period.

10. How can SWFL Insurance help me?

We are licensed, independent agents. We:

  • Explain your Aetna termination notice.
  • Compare Florida Blue and other options.
  • Enroll you at no cost.
  • Ensure coverage starts January 1, 2026, with no lapse.

Schedule My Free Plan Review

Don’t face the Aetna transition alone. SWFL Insurance has been protecting Florida families for more than 40 years—we’ll make sure you stay covered through 2026 and beyond.

Get Help Switching from Aetna Today

The post Aetna Exiting Florida 2025: What it Means For You And How To Stay Covered In 2026 appeared first on SWFL Insurance.

]]> Life Insurance Basics https://swflinsurance.com/life-insurance-basics/ Tue, 07 Sep 2021 07:37:20 +0000 https://469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io/?p=898 Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations: 1. Replace income for dependents If people depend on an individual’s income, life insurance can replace that income if the person dies. The most common example of this is parents with young children. Insurance to replace income can be especially useful if the government- or employer sponsored benefits of the surviving spouse or domestic partner will be reduced after their companion dies. 2. Pay final expenses Life insurance can pay funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance. 3. Create an inheritance for heirs Even those with no other assets to pass on, can create an inheritance by buying a life insurance policy and naming their heirs as beneficiaries. 4. Pay federal “death” taxes and state “death” taxes Life insurance benefits can pay for estate taxes so that heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level estate taxes. 5. Make significant charitable contributions By making a charity the beneficiary of their life insurance policies, individuals can make a much larger contribution than if they donated the cash equivalent of the policy’s premiums. 6. Create a source of savings Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim). Types of Life Insurance There are two major types of life insurance—term and whole life. 1. Term Life Term insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Most term policies have no other benefit provisions. There are two basic types of term life insurance policies—level term and decreasing term. Level term means that the death benefit stays the same throughout the duration of the policy. Decreasing term means that the death benefit drops, usually in one-year increments, over the course of the policy’s term. 2. Whole Life/Permanent Life Whole life or permanent insurance pays a death benefit whenever the policyholder dies. There are three major types of whole life or permanent life insurance—traditional whole life, universal life, and variable universal life, and there are variations within each type. In the case of traditional whole life, both the death benefit and the premium are designed to stay the same (level) throughout the life of the policy. The cost per $1,000 of benefit increases as the insured person ages, and it obviously gets very high when the insured lives to 80 and beyond. The insurance company keeps the premium level by charging a premium that, in the early years, is higher than what is needed to pay claims, investing that money, and then using it to supplement the level premium to help pay the cost of life insurance for older people. By law, when these “overpayments” reach a certain amount, they must be available to the policyholder as a cash value if he or she decides not to continue with the original plan. The cash value is an alternative, not an additional, benefit under the policy. Universal life, also known as adjustable life, allows more flexibility than traditional whole life policies. The savings vehicle (called a cash value account) generally earns a money market rate of interest. After money has accumulated in the account, the policyholder will also have the option of altering premium payments—providing there is enough money in the account to cover the costs. 4. Variable Life Variable life policies combine death protection with a savings account that can be invested in stocks, bonds and money market mutual funds. The value of the policy may grow more quickly, but involves more risk. If investments do not perform well, the cash value and death benefit may decrease. Some policies, however, guarantee that the death benefit will not fall below a minimum level. Another variant, universal variable life, combines the features of variable and universal life policies. It has the investment risks and rewards characteristic of variable life insurance, coupled with the ability to adjust premiums and death benefits that is characteristic of universal life insurance. If you have any questions about life insurance or would like to open a life insurance policy, please call SWFL Insurance at 800-829-5270 today!

The post Life Insurance Basics appeared first on SWFL Insurance.

]]> Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:

1. Replace income for dependents

If people depend on an individual’s income, life insurance can replace that income if the person dies. The most common example of this is parents with young children. Insurance to replace income can be especially useful if the government- or employer sponsored benefits of the surviving spouse or domestic partner will be reduced after their companion dies.

2. Pay final expenses

Life insurance can pay funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.

3. Create an inheritance for heirs

Even those with no other assets to pass on, can create an inheritance by buying a life insurance policy and naming their heirs as beneficiaries.

4. Pay federal “death” taxes and state “death” taxes

Life insurance benefits can pay for estate taxes so that heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level estate taxes.

5. Make significant charitable contributions

By making a charity the beneficiary of their life insurance policies, individuals can make a much larger contribution than if they donated the cash equivalent of the policy’s premiums.

6. Create a source of savings

Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

Types of Life Insurance

There are two major types of life insurance—term and whole life.

1. Term Life

Term insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Most term policies have no other benefit provisions. There are two basic types of term life insurance policies—level term and decreasing term. Level term means that the death benefit stays the same throughout the duration of the policy. Decreasing term means that the death benefit drops, usually in one-year increments, over the course of the policy’s term.

2. Whole Life/Permanent Life

Whole life or permanent insurance pays a death benefit whenever the policyholder dies. There are three major types of whole life or permanent life insurance—traditional whole life, universal life, and variable universal life, and there are variations within each type.

In the case of traditional whole life, both the death benefit and the premium are designed to stay the same (level) throughout the life of the policy. The cost per $1,000 of benefit increases as the insured person ages, and it obviously gets very high when the insured lives to 80 and beyond. The insurance company keeps the premium level by charging a premium that, in the early years, is higher than what is needed to pay claims, investing that money, and then using it to supplement the level premium to help pay the cost of life insurance for older people.

By law, when these “overpayments” reach a certain amount, they must be available to the policyholder as a cash value if he or she decides not to continue with the original plan. The cash value is an alternative, not an additional, benefit under the policy.

Universal life, also known as adjustable life, allows more flexibility than traditional whole life policies. The savings vehicle (called a cash value account) generally earns a money market rate of interest. After money has accumulated in the account, the policyholder will also have the option of altering premium payments—providing there is enough money in the account to cover the costs.

4. Variable Life

Variable life policies combine death protection with a savings account that can be invested in stocks, bonds and money market mutual funds. The value of the policy may grow more quickly, but involves more risk. If investments do not perform well, the cash value and death benefit may decrease. Some policies, however, guarantee that the death benefit will not fall below a minimum level. Another variant, universal variable life, combines the features of variable and universal life policies. It has the investment risks and rewards characteristic of variable life insurance, coupled with the ability to adjust premiums and death benefits that is characteristic of universal life insurance.

If you have any questions about life insurance or would like to open a life insurance policy, please call SWFL Insurance at 800-829-5270 today!

The post Life Insurance Basics appeared first on SWFL Insurance.

]]> Citizens Insurance Struggles To Meet Demand For Coverage In Florida https://swflinsurance.com/citizens-insurance-struggles-to-meet-demand-for-coverage-in-florida/ Tue, 24 Aug 2021 07:38:16 +0000 https://469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io/?p=902 Remember when we told you Florida insurance companies were bleeding money and the rush to switch to Citizens Property Insurance Corp. was a concern? Remember when the state Legislature this year passed a bill aimed at lowering our home insurance rates and raising rates for Citizens (the state-backed insurer of last resort) to dissuade homeowners from changing policies? Well, the changes aren’t working well. As of this week, the number of homeowners running to Citizens for coverage swelled to 661,000 policies, according to the insurers’ website. That is up from 638,263 in June and way more than the 486,773 this time last year. This is happening despite the fact the Legislature allowed Citizens to raise its rates 15%. The problem is too many private insurers, who lost a ton of money the last five years in Florida, are abandoning the state and Citizens is the target for homeowners looking for the best deal or who have no one else that will insure them. Citizens President and CEO Barry Gilway says he expects the company to be loaded down with 766,000 policies by the end of the year. And what’s the problem with that? Well, as Tropical Storm Fred reminded us, the state is vulnerable to hurricanes. And, one real bad one will hit Citizens like a hammer and that means all of us will pay since the state is on the hook for Citizens profits and losses. There is no easy solution. The Legislature will have to make another attempt next year to remedy the problem and figure out incentives to lure more private insurers to Florida.

The post Citizens Insurance Struggles To Meet Demand For Coverage In Florida appeared first on SWFL Insurance.

]]> Remember when we told you Florida insurance companies were bleeding money and the rush to switch to Citizens Property Insurance Corp. was a concern?

Remember when the state Legislature this year passed a bill aimed at lowering our home insurance rates and raising rates for Citizens (the state-backed insurer of last resort) to dissuade homeowners from changing policies?

Well, the changes aren’t working well.

As of this week, the number of homeowners running to Citizens for coverage swelled to 661,000 policies, according to the insurers’ website. That is up from 638,263 in June and way more than the 486,773 this time last year.

This is happening despite the fact the Legislature allowed Citizens to raise its rates 15%.

The problem is too many private insurers, who lost a ton of money the last five years in Florida, are abandoning the state and Citizens is the target for homeowners looking for the best deal or who have no one else that will insure them. Citizens President and CEO Barry Gilway says he expects the company to be loaded down with 766,000 policies by the end of the year.

And what’s the problem with that?

Well, as Tropical Storm Fred reminded us, the state is vulnerable to hurricanes. And, one real bad one will hit Citizens like a hammer and that means all of us will pay since the state is on the hook for Citizens profits and losses.

There is no easy solution. The Legislature will have to make another attempt next year to remedy the problem and figure out incentives to lure more private insurers to Florida.

The post Citizens Insurance Struggles To Meet Demand For Coverage In Florida appeared first on SWFL Insurance.

]]> The 3-Pronged Approach to Catastrophe Risk Management https://swflinsurance.com/the-3-pronged-approach-to-catastrophe-risk-management/ Fri, 16 Jul 2021 05:45:30 +0000 https://469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io/?p=3954 With windstorms and wildfires already threatening and the hurricane season looking to be a busy one, now’s a good a time to remind your clients about how to manage the risk of catastrophes. Here are tips and other resources that you can share with your clients and prospects to help them prepare their offices or business facilities before an event — as well as key steps to take afterward. Five Steps to Executing a Business Continuity Planhurricane ahead sign Build Your Team. All successful business continuity plans are built from the top down. Begin with commitment and support from top management. Assign a designated person responsible for overseeing the process. Then assemble a core team of individuals that represents every critical business department. Assess the Risk. Identify and rank the types of events or hazards most likely to threaten your business. These may include facility construction, fire protection, technology resources, staffing, past events, supply chain, specialized equipment, climate, security and utilities. Analyze the Business. Develop a business impact analysis (BIA) that ranks functions from highly critical to important so that you can recover the most critical functions first and then, over time, restore all business processes. Once the critical functions have been identified, business units should recommend strategies that allow for the recovery of functions within a prescribed time frame known as recovery time objectives (RTO). Backup data files should be stored offsite and accessible within a few hours. Ask your IT vendor if it offers a service to ship you replacement equipment quickly after a disaster. Document the Plan. It’s important to document the plan and procedures step-by-step. If you don’t have business continuity planning software, most plans can be written using basic word-processing programs. Test the Plan. To verify that your choices for recovery strategies are valid, regular testing is essential. These tests may be a simple exercise in which the staff discusses the steps required to respond to a disaster scenario. This is a great opportunity to determine what won’t work as well as what will. Remember, business continuity planning is a cycle that requires continual reviews, updates and adjustments based on changes to your business operations. This may appear time-consuming and costly, but the investment is essential to maintaining a comprehensive, effective plan.

The post The 3-Pronged Approach to Catastrophe Risk Management appeared first on SWFL Insurance.

]]> With windstorms and wildfires already threatening and the hurricane season looking to be a busy one, now’s a good a time to remind your clients about how to manage the risk of catastrophes.

Here are tips and other resources that you can share with your clients and prospects to help them prepare their offices or business facilities before an event — as well as key steps to take afterward.

Five Steps to Executing a Business Continuity Planhurricane ahead sign

  1. Build Your Team. All successful business continuity plans are built from the top down. Begin with commitment and support from top management. Assign a designated person responsible for overseeing the process. Then assemble a core team of individuals that represents every critical business department.
  2. Assess the Risk. Identify and rank the types of events or hazards most likely to threaten your business. These may include facility construction, fire protection, technology resources, staffing, past events, supply chain, specialized equipment, climate, security and utilities.
  3. Analyze the Business. Develop a business impact analysis (BIA) that ranks functions from highly critical to important so that you can recover the most critical functions first and then, over time, restore all business processes. Once the critical functions have been identified, business units should recommend strategies that allow for the recovery of functions within a prescribed time frame known as recovery time objectives (RTO). Backup data files should be stored offsite and accessible within a few hours. Ask your IT vendor if it offers a service to ship you replacement equipment quickly after a disaster.
  4. Document the Plan. It’s important to document the plan and procedures step-by-step. If you don’t have business continuity planning software, most plans can be written using basic word-processing programs.
  5. Test the Plan. To verify that your choices for recovery strategies are valid, regular testing is essential. These tests may be a simple exercise in which the staff discusses the steps required to respond to a disaster scenario. This is a great opportunity to determine what won’t work as well as what will. Remember, business continuity planning is a cycle that requires continual reviews, updates and adjustments based on changes to your business operations. This may appear time-consuming and costly, but the investment is essential to maintaining a comprehensive, effective plan.

The post The 3-Pronged Approach to Catastrophe Risk Management appeared first on SWFL Insurance.

]]> How Your Health Insurance Changes When You Turn 26 https://swflinsurance.com/how-your-health-insurance-changes-when-you-turn-26/ Tue, 22 Jun 2021 06:05:31 +0000 https://469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io/?p=3989 The Affordable Care Act (ACA) made many changes to how health insurance plans cover children and dependents. The law has helped children and young adults access health insurance throughout their formative years. Under the law, children can remain on their parents’ insurance plans until they turn 26 years old. Parents are also able to claim children as health insurance dependents for tax purposes. However, after the age of 26, a child will no longer qualify to stay on his or her parents’ health insurance plan. What To Do As You Approach Age 26 If you’re approaching your 26th birthday, consider the ways you can transition off an old plan and still find new, affordable coverage. Here are some things to think about as you research the ways you can obtain health insurance coverage: You might be able to enroll in your employer’s health insurance plan, if your job offers benefits. Some employers allow their employees to enroll in their benefits plans outside of their standard enrollment periods. Your turning 26 might qualify you for this special allowance. The Affordable Care Act marketplace — a federal and state-run exchange — provides an outlet for Americans to search for health insurance plans. Enrolling in a marketplace plan might qualify young people for cost assistance. These private plans are designed to meet strict coverage and pricing requirements. Private insurance companies offer a variety of coverage options for individuals, separate from marketplace plans.You may not qualify for cost assistance, but you can still find an affordable policy. The ACA requires most Americans to carry health insurance. You might face tax penalties if you don’t. Therefore, you likely cannot go without coverage. Consider the benefits of enrolling in your own plan. Will you be able to afford the cost requirements of your parents’ plan? Does your parents’ plan cover your health needs? Can you still see doctors in your local area who are in your insurance network? Do you have a spouse or child? They can’t have coverage on your parents’ insurance. Therefore, enrolling in your own plan may better benefit your own family. If you work and live independently from your family, this does not disqualify you from staying on your parents’ health insurance plan until you turn 26. However, based on your current health needs, you should consider whether staying on your parents’ plan will benefit you. Got questions about coverage? We’ve got answers! Call SWFL Insurance at 1-800-829-5270 for a free health insurance quote.

The post How Your Health Insurance Changes When You Turn 26 appeared first on SWFL Insurance.

]]> The Affordable Care Act (ACA) made many changes to how health insurance plans cover children and dependents. The law has helped children and young adults access health insurance throughout their formative years.

Under the law, children can remain on their parents’ insurance plans until they turn 26 years old. Parents are also able to claim children as health insurance dependents for tax purposes. However, after the age of 26, a child will no longer qualify to stay on his or her parents’ health insurance plan.

What To Do As You Approach Age 26

If you’re approaching your 26th birthday, consider the ways you can transition off an old plan and still find new, affordable coverage.

Here are some things to think about as you research the ways you can obtain health insurance coverage:

  • You might be able to enroll in your employer’s health insurance plan, if your job offers benefits. Some employers allow their employees to enroll in their benefits plans outside of their standard enrollment periods. Your turning 26 might qualify you for this special allowance.
  • The Affordable Care Act marketplace — a federal and state-run exchange — provides an outlet for Americans to search for health insurance plans. Enrolling in a marketplace plan might qualify young people for cost assistance. These private plans are designed to meet strict coverage and pricing requirements.
  • Private insurance companies offer a variety of coverage options for individuals, separate from marketplace plans.You may not qualify for cost assistance, but you can still find an affordable policy.

The ACA requires most Americans to carry health insurance. You might face tax penalties if you don’t. Therefore, you likely cannot go without coverage. Consider the benefits of enrolling in your own plan.

  • Will you be able to afford the cost requirements of your parents’ plan?
  • Does your parents’ plan cover your health needs? Can you still see doctors in your local area who are in your insurance network?
  • Do you have a spouse or child? They can’t have coverage on your parents’ insurance. Therefore, enrolling in your own plan may better benefit your own family.

If you work and live independently from your family, this does not disqualify you from staying on your parents’ health insurance plan until you turn 26. However, based on your current health needs, you should consider whether staying on your parents’ plan will benefit you.

Got questions about coverage? We’ve got answers! Call SWFL Insurance at 1-800-829-5270 for a free health insurance quote.

The post How Your Health Insurance Changes When You Turn 26 appeared first on SWFL Insurance.

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