Florida Health Care Plans
Florida Health Care Plans is a federally qualified HMO and affiliate of Florida Blue that provides integrated health insurance, owned care centers, pharmacies, and Epic-powered digital tools to individuals, employers, and Medicare members across five Florida counties.
- Company typePrivate
- Founded1974
- HeadquartersDaytona Beach, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Florida Health Care Plans does
Florida Health Care Plans (FHCP) is a federally qualified Health Maintenance Organization founded in 1974 and headquartered in Daytona Beach, Florida, operating as an affiliate of Florida Blue within the GuideWell family of health solutions companies. FHCP provides HMO health insurance and integrated healthcare delivery to individuals, families, employers, and Medicare-eligible members across five Florida counties (Volusia, Flagler, St. Johns, Seminole, and Brevard), supported by 30+ clinical and administrative sites, 9,500+ in-network providers, and member-only pharmacies offering free 90-day prescription delivery.
The core technology platform combines an insurance administration layer with Epic's MyChart patient portal (including the MyChart Central single-login feature launched November 2025), Doctor on Demand for 24/7 telehealth, and CMS-mandated FHIR-based Patient Access and Provider Directory APIs for interoperability. Integrated care centers deliver primary care, specialty care, labs, radiology, and pharmacy under one roof, creating a vertically integrated payer-provider model unusual among community-scale HMOs.
FHCP generates revenue primarily through recurring monthly health insurance premiums across individual/family, employer group, and Medicare Advantage plans, supplemented by pharmacy and ancillary service revenue. Distribution combines direct-to-consumer enrollment via fhcp.com and call centers with a broker/agent channel for commercial products and a dedicated fhcpmedicare.com channel for Medicare. The company carries an A+ (Superior) Financial Strength Rating from AM Best and operates as an independent Blue Cross Blue Shield licensee. Leadership transitioned in 2025 with Tracy Williams appointed permanent President and CEO in April 2025 after serving as interim since December 2024, succeeding Steven Blumberg.
Florida Health Care Plans firmographics
Firmographics- Name
- Florida Health Care Plans
- Legal name
- Florida Health Care Plan, Inc.
- Website
- https://fhcp.com
- Company type
- Private
- Founded year
- 1974
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Florida Health Care Plans is a federally qualified HMO and affiliate of Florida Blue that provides integrated health insurance, owned care centers, pharmacies, and Epic-powered digital tools to individuals, employers, and Medicare members across five Florida counties.
- Ownership category
- akta.pro rank
Florida Health Care Plans industry classification
Industry- Product category
- Health Insurance (HMO)
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Ambulatory Health Care Services (621)
- SIC
- Hospital & Medical Service Plans (6324), Services-Offices & Clinics Of Doctors Of Medicine (8011)
- akta.pro primary industry
- Medicare Advantage HMOs (HMO/HMO-POS) (HLAEAMAH)
- akta.pro secondary industry
- MA Prescription Drug Plans (MA-PD) (HLAEACAF)
Keywords
Where Florida Health Care Plans is headquartered
LocationHeadquarters
- HQ city
- Daytona Beach
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Florida Health Care Plans business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Health Insurance Premiums: FHCP generates revenue primarily through health insurance premiums collected from members across individual/family plans, employer group plans, and Medicare Advantage plans. As a federally qualified HMO, they receive capitation payments and manage healthcare costs for their member population.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individual and Family Plans |
| Subscription | Monthly | Employer Group Plans |
| Subscription | Monthly | Medicare Plans |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels11 records
Florida Health Care Plans product offering
Product offeringCore offering
Florida Health Care Plans (FHCP) sells federally qualified HMO health insurance plans to individuals, families, employers, and Medicare-eligible members, and pairs those plans with directly operated care centers, in-house pharmacies, labs, and radiology across five Florida counties. Members access primary care, specialty care, urgent care, telehealth, and pharmacy services through FHCP-owned facilities, supported by Epic's MyChart patient portal and over 9,500 in-network providers.
Product overview
Florida Health Care Plans (FHCP) is a pioneering health insurance provider and integrated healthcare delivery system. Founded in 1974, FHCP operates as a federally qualified Health Maintenance Organization (HMO) and is an affiliate of Florida Blue and part of the GuideWell family of companies. The core offering consists of HMO health insurance plans for individuals, families, employers, and Medicare-eligible members, combined with an integrated care delivery network. FHCP operates over 30 community-based care centers across Florida that provide primary care, specialty care, on-site pharmacies, labs, radiology, and other services. Members access care through FHCP Care Centers and a network of over 9,500 in-network providers. Digital health services include Epic's MyChart patient portal, Doctor on Demand telehealth, and FHIR-based APIs (Patient Access API and Provider Directory API) for interoperability. Additional wellness offerings include Preferred Fitness gym access, FHCP Pharmacy with home delivery, and care management programs.
Differentiator
Problem solved
Functional benefit
Products and services
- Health Insurance Plans (HMO) HMO health insurance coverage for individuals, families, employers, and Medicare-eligible individuals, with plan variants including HMO plans, Balance Plans, High-Deductible Plans, Point of Service Rider, and Triple Option Rider options.
- Employer Group Health Plans Group health insurance plans sold to employers of varying sizes, including HMO plans, Balance Plans, High-Deductible Plans, Point of Service Rider, and Triple Option Rider, with pricing determined by group size and selected plan options.
- FHCP Medicare (Medicare Advantage Plans) Medicare Advantage plans offered to Medicare-eligible individuals, including special needs plans and supplemental coverage options, distributed through a dedicated Medicare channel.
- FHCP Care Centers Integrated community-based care centers offering primary care, multispecialty care, urgent care, on-site pharmacies, labs, radiology, and ultrasound services under one roof, providing FHCP members with comprehensive in-network healthcare services.
- FHCP Pharmacy On-site pharmacies at FHCP care centers offering member-only pharmacy services, a myFHCP Rx mobile app for prescription management, and free prescription delivery on up to 90-day medication supplies.
- MyChart Patient Portal Epic-powered patient portal enabling members to access health records, schedule appointments, view test results, communicate with healthcare providers, pay bills, and manage their healthcare information online.
- Doctor on Demand Telehealth 24/7 virtual access to doctors, psychiatrists, psychologists, therapists, and other medical experts for telehealth consultations available to FHCP members anytime, anywhere.
Quantifiable outcome
- A+ (Superior) Financial Strength Rating from AM Best
- +1 more outcomes
Companies that use Florida Health Care Plans
Customer profileSegments4 records
Ideal customer profiles4 records
Florida Health Care Plans technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability1 record
Feature6 records
Florida Health Care Plans partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- GuideWellcoreFHCP is an affiliate of Florida Blue and part of the GuideWell family of health solutions companies. GuideWell provides strategic oversight and support for the FHCP network of health solutions companies in Florida.
- Blue Cross Blue Shield AssociationcoreFHCP is an independent licensee of the Blue Cross and Blue Shield Association, allowing use of the Blue Cross and Blue Shield brand and network resources in their service territory.
- Doctor on DemandcoreDoctor on Demand provides 24/7 telehealth services for FHCP members, offering access to doctors, psychiatrists, psychologists, therapists and other medical experts via virtual visits integrated into the FHCP member experience.
- EpiccoreEpic provides FHCP's MyChart patient portal and MyChart Central feature, enabling members to access their health records and manage multiple healthcare providers through unified accounts.
- Donate Life AmericaminorFHCP partnered with Epic and Donate Life America to provide organ donor registration functionality directly through MyChart for all FHCP members.
Scale indicators6 records
Recent moves11 records
Expansion highlights4 records
Florida Health Care Plans competitors and assessment
Company assessmentRegional players
- Capital Health Plan: Florida-based HMO serving the Tallahassee area with a comparable integrated care delivery model and high member satisfaction ratings. Comparable as a Florida-domiciled community HMO with similar operating philosophy, though operating in a different region.
- Health First Health Plans: Florida-based health plan affiliated with Health First integrated delivery system in Brevard County — overlapping directly with FHCP's Brevard County operations. Comparable as a regionally integrated payer-provider competing head-to-head in FHCP's territory.
Direct peers
- Humana: Humana is the largest Medicare Advantage-focused insurer in the US and a major Florida MA competitor, offering MA, MA-PD, and integrated care delivery. Highly comparable to FHCP's core Medicare Advantage HMO business and a primary competitive threat in FHCP's counties.
- AvMed: Florida-based not-for-profit health plan offering HMO and Medicare Advantage plans across the state, with similar product mix and integrated care delivery model. Closest comparable peer given Florida geographic focus and HMO orientation.
- Florida Blue: FHCP's parent affiliate within the GuideWell family, Florida Blue is the largest health insurer in Florida offering HMO, PPO, and Medicare Advantage plans. Comparable in product mix and Florida market focus, with FHCP functioning as a regional HMO affiliate.
Broad incumbents
- CVS Health / Aetna: National health insurer with Medicare Advantage plans and integrated pharmacy and MinuteClinic delivery through CVS. Comparable to FHCP's integrated payer-pharmacy-provider model, with substantially larger scale and broader Florida footprint.
- UnitedHealthcare: Largest US health insurer with significant Medicare Advantage and commercial HMO presence in Florida, offering broad national networks and integrated Optum care delivery assets. Competes directly with FHCP across individual, employer, and Medicare segments in Florida.
- Elevance Health (Anthem): Major national Blue Cross Blue Shield licensee with significant Florida presence through Anthem Blue Cross Blue Shield plans. Comparable to FHCP as a fellow BCBSA licensee and direct competitor in Florida commercial and MA markets.
- Centene: Large managed care company with significant Medicaid and Medicare Advantage exposure, including Florida operations through subsidiaries. Comparable as a major national competitor across government and commercial health plan segments.
- Cigna Group: National health insurer offering commercial, Medicare, and specialty products including PBM services through Express Scripts. Comparable to FHCP's integrated health plan plus pharmacy model, with substantially greater scale and geographic reach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Florida Health Care Plans social profiles
Digital presenceFlorida Health Care Plans compliance and trust
Trust signalCompliance5 records
Florida Health Care Plans financial estimates
Financial estimateRevenue estimate
Valuation estimate
Florida Health Care Plans leadership team
Management profileNumber of profiles
Profiles6 records
Florida Health Care Plans funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Florida Health Care Plans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Florida Health Care Plans
What does Florida Health Care Plans do?
Florida Health Care Plans (FHCP) sells federally qualified HMO health insurance plans to individuals, families, employers, and Medicare-eligible members, and pairs those plans with directly operated care centers, in-house pharmacies, labs, and radiology across five Florida counties. Members access primary care, specialty care, urgent care, telehealth, and pharmacy services through FHCP-owned facilities, supported by Epic's MyChart patient portal and over 9,500 in-network providers.
Is Florida Health Care Plans a public or private company?
Florida Health Care Plans is a private company. It is classified as corporate owned and is currently operating.
When was Florida Health Care Plans founded?
Florida Health Care Plans was founded in 1974. It employs 1,001 to 5,000 people.
Where is Florida Health Care Plans based?
Florida Health Care Plans is headquartered in Daytona Beach, United States, in the North America region.
How does Florida Health Care Plans make money?
One revenue line is on record: health Insurance Premiums.
Who are Florida Health Care Plans's main competitors?
Regional players on record are Capital Health Plan and Health First Health Plans. Direct peers are Humana, AvMed and Florida Blue. Broad incumbents are CVS Health / Aetna, UnitedHealthcare, Elevance Health (Anthem), Centene and Cigna Group.
Does Florida Health Care Plans have an API?
Yes. FHCP offers Patient Access API and Provider Directory API, both built on HL7 FHIR standards as mandated by CMS. The Patient Access API meets CARIN Consumer Directed Payer Data Exchange (CARIN IG for Blue Button) and DaVinci Payer Data Exchange (PDex) US Drug Formulary Implementation Guide specifications. The Provider Directory API conforms to Da Vinci PDEX Plan-Net Implementation Guide. FHCP has contracted with mPulse, an independent company, to manage and support the Patient Access API. API access allows third-party apps to retrieve patient health data and provider directory information on behalf of members. Developer documentation is at www.healthtrio.com/fhir-api.
What industry is Florida Health Care Plans in?
Florida Health Care Plans's product category is Health Insurance (HMO). Its primary akta.pro industry code is HLAEAMAH, Medicare Advantage HMOs (HMO/HMO-POS), with a secondary code of HLAEACAF, MA Prescription Drug Plans (MA-PD). Its NAICS code is 524114 and its SIC code is 6324.