Florida · Insurer
AmeriHealth Caritas Next Marketplace Plans in Florida
AmeriHealth Caritas Next sold eight no-referral HMOs in seven South Florida and Orlando counties in 2026. It filed Florida's highest public 2027 average, about 39%, while planning to expand to 16 counties.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
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What makes AmeriHealth Caritas Next different
Filed about +39.14%. Part II attributes most of the jump to risk-adjustment transfers and morbidity, not unit cost.
Every 2026 on-exchange plan ends in + No Referrals, and SBCs confirm specialists without a PCP referral.
Virtual Care is covered at no charge with the deductible waived on the Silver Essential schedule we checked.
Seven counties today; provider materials list nine more for 2027, including Tampa Bay and Treasure Coast counties.
Is AmeriHealth Caritas Next a good fit?
A good fit if
- You live in Broward, Miami-Dade, Palm Beach, Lake, Orange, Osceola or Seminole County
- You want specialists without a referral on an HMO
- You would use $0 Virtual Care 24/7
Think twice if
- Proposed +39% is far above Florida's ~15% unweighted filing average — compare after-subsidy prices carefully.
- 2027 add-on counties are not live yet, and the carrier says networks there are still being built.
- CMS has not scored this Florida HMO (Overall NG / components CSR-I).
Good starting points
From its 8 2026 plans statewide, lowest price in any Florida rating area.2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
AmeriHealth Caritas Next plans and prices
All 2026 AmeriHealth Caritas Next plans in Florida
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| AmeriHealth Caritas Next Bronze Essential + No Referrals | MetalBronze | TypeHMO | Premium (age 40)$511 | Deductible$10,600 | OOP max$10,600 | Primary care$25 | Specialist$0 after deductible | Generic Rx$25 | HSANo | Counties7 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals | MetalBronze | TypeHMO | Premium (age 40)$514 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties7 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals | MetalBronze | TypeHMO | Premium (age 40)$514 | Deductible$3,850 | OOP max$10,600 | Primary care$40 | Specialist$100 | Generic Rx$25 | HSANo | Counties7 |
| AmeriHealth Caritas Next Silver Essential + No Referrals | MetalSilver | TypeHMO | Premium (age 40)$663 | Deductible$6,100 | OOP max$9,000 | Primary care$25 | Specialist$70 | Generic Rx$25 | HSANo | Counties7 |
| AmeriHealth Caritas Next Silver Signature + No Referrals | MetalSilver | TypeHMO | Premium (age 40)$689 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties7 |
| AmeriHealth Caritas Next Silver Premier + No Referrals | MetalSilver | TypeHMO | Premium (age 40)$724 | Deductible$400 | OOP max$10,200 | Primary care$50 | Specialist$110 | Generic Rx$25 | HSANo | Counties7 |
| AmeriHealth Caritas Next Gold Signature + No Referrals | MetalGold | TypeHMO | Premium (age 40)$748 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties7 |
| AmeriHealth Caritas Next Gold Premier + No Referrals | MetalGold | TypeHMO | Premium (age 40)$769 | Deductible$850 | OOP max$8,500 | Primary care$15 | Specialist$35 | Generic Rx$15 | HSANo | Counties7 |
Other Florida Marketplace insurers
- Florida Blue HMO
- AvMed
- Ambetter
- Oscar
- Florida Blue
- Health First
- Florida Health Care Plans
- UnitedHealthcare
- Wellpoint
- Capital Health Plan
Sources
- AmeriHealth Caritas Florida Part II consumer narrative, 2027, July 14, 2026
- AmeriHealth Caritas Next Florida coverage area, accessed October 7, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- 2027 Florida plan brochure, 2026
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Florida Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.