Curated cohort / fixed public roster

Florida marketplace issuer cohort

The Patient Access and Provider Directory APIs of every issuer selling an individual-market qualified health plan on HealthCare.gov in Florida for 2026, graded on the same public surfaces as every other endpoint here.

9 of 15 member organizations publish a FHIR base URL this project could verify from public documentation, which is a curation record with a date on it, not a live figure; 17 verified endpoints are listed below. Of those, 15 answered when this page was generated, which is the measured number: it comes from this run's probes, and it moves when the endpoints do. The rest of the roster is recorded with the reason it could not be listed, because for a cohort whose membership is public and finite, the gap is itself a finding.

Membership is CMS's own file, not a list assembled here. The QHP Landscape PY2026 Individual Medical dataset published by the Center for Consumer Information and Insurance Oversight lists every plan sold on HealthCare.gov; filtered to Florida it carries 7,569 plan-county rows, 16 HIOS issuer IDs, and 15 issuer names. The unit of analysis is the issuer organization CMS names, so the denominator is 15: one name, Ambetter Health, carries two HIOS IDs. The per-issuer rows are committed beside this file in florida-marketplace.roster.csv, so the denominator can be recomputed from data rather than trusted from prose.

Florida is a federally-facilitated exchange state, the same prong of CMS-9115-F as the Texas cohort: 45 CFR 156.221 reaches qualified health plan issuers on the federal exchanges, so every organization on this roster is an impacted payer through this line of business alone. Florida is the largest HealthCare.gov market in the country, which is why it is the frame's second state.

The roster names corporate siblings separately and this cohort keeps them separate. Florida Blue and Florida Blue HMO are one GuideWell family selling under two licenses (the HMO is Health Options Inc.), and Cigna Healthcare and Cigna HealthCare of Florida, Inc. are two Cigna entities. The unit stays the name CMS prints, because collapsing them would substitute this project's corporate-structure judgment for the regulator's enumeration; each pair shares its family's published endpoints, and a reader who collapses the pairs gets 13 organizations the other way.

Where a member's endpoints are its national parent's, the parent's documentation covers the Florida line by brand or by plan type, never by state: Cigna's Patient Access documentation covers 'Individual Family Plans governed by CMS', Wellpoint is a brand row in Elevance's Interoperability API Endpoint Support Document (IO105 v15.0), and UnitedHealthcare's documentation names no line of business at all. The word 'Florida' appears in none of them, which is recorded here because attribution by brand is weaker than attribution by state and a reader should know which one they are getting.

The rule requires the API. It does not require an issuer to print its base URL where an unregistered visitor can read it, and nothing on this page treats an issuer that does not as being out of compliance with anything. What a missing base URL costs is narrower and worth naming exactly: conformance stops being checkable by anyone who has not already entered a business relationship with the issuer.

Every count on this page distinguishes what an issuer publishes from what answers. A published base URL that returns 404, an expired certificate in front of a maintenance page, and a portal that shows an unregistered visitor an empty shell are three different findings, and each member's record says which one it is.

Membership sources

• CMS / CCIIO: QHP Landscape PY2026 Individual Medical (individual_market_medical.zip, issued 2026-08-04, modified 2026-08-10) (retrieved 2026-08-19)

Listed endpoints

Grades are comparable within a category only: a Patient Access API and a Provider Directory API answer to different expectations and are never ranked against each other.

Members reviewed and not listed

Each exclusion records how far the review went, on what date, and where to check it. A review that found nothing is not proof that nothing exists: if one of these plans publishes a base URL we missed, please tell us.