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April 28, 2025

In the world of health insurance, not all companies are created equal. While most for-profit insurers prioritize shareholder earnings, Florida Blue operates under a unique model that puts members first. As part of a not-for-profit mutual holding company, we're owned by our policyholders, not shareholders. This allows our main goal to be providing high-quality, affordable health insurance to our members, rather than making profits for investors.

Our mission is to help people and communities achieve better health. So, we're not just an insurance company; we're a force for good, investing in the communities we serve and driving positive change in the health care system.

Working on slim (single digit) margins, we reinvest in ways that are good for our members, rather than make money for investors. Any extra money we make is used to:

  • Make sure our members are able to get high-quality, affordable care
  • Donate to communities, supporting projects that help improve health and well-being
  • Protect our financial stability, to pay for claims now and in the future

So, unlike for-profit insurers, we don't pay dividends to shareholders. Instead, we use extra money to benefit our members, whether it's by improving our plans, expanding our services, or investing in community programs. This way we have a direct impact on our members, who can trust that their health insurance company is working for their good, not just to make money for others.

As a policyholder-owned company, we’re uniquely able to tackle the difficult challenges facing the health care system. We’re committed to finding solutions that make health care better. Whether it's standing up for affordable and accessible care, investing in community programs, or making health education easier, we're making a positive impact on the lives of our members and the communities we serve.

In short, the Florida Blue difference is all about putting people over profits. We're not just an insurance company; we're a partner in our members' health journeys, working hard to get them the care they need to thrive. By choosing Florida Blue, our members can trust that they're part of a community that's focused on their well-being, and that's a difference that truly matters.