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Health Plans

The State of Florida offers comprehensive health coverage for you and your family through a variety of health plans. Each plan helps you focus on preventative care and wellness. Four different plan options are available to you: Standard PPO, Standard HMO, High Deductible PPO and High Deductible HMO. The HMO provider company varies by .

Please click for additional information on Dependent Eligibility. 

Compare PPO & HMO Plans

Compare Standard vs High Deductible Plan

Health Summary Comparison Chart

2026 Employee Health Premiums

Pharmacy Benefits

Optum RX is the prescription drug company for all four health plans. Costs will vary depending on the health plan that you choose.

Dental Plans

The State of Florida offers an array of dental plan options and with different levels of coverage.  The dental plans are divided into four categories: PPO, Indemnity, Indemnity with PPO and Prepaid. Some plans have limited networks and pay for only services provided by an in-network dental provider, while other plans provide in and out of network coverage. Be sure to verify if your dentist is in network or that there are a variety of choices available that are accepting new patients.

Please click for the State Dental Plan website. To download a dental mobile app, please click here. 

Vision Plans

The health of your eye is an important component of your overall health and wellness. The State of Florida offers Exam and Materials vision coverage through Humana Vision at an affordable cost.

Please click for the State Vision Plan website.

2025

2026

Life Insurance

The State of Florida and FGCU offer group term life insurance to eligible employees through Securian Financial at no cost to the employee. All benefit earning employees are automatically enrolled in the Basic Life coverage through the State of Florida in the amount of $25,000. FGCU provides additional coverage in the amount of 1.5 times your basic annual earnings.

Supplemental coverage is also available for employees and eligible dependents, including optional employee life, dependent spouse and dependent child coverage.

Visit , Securian's interactive guide, to determine the coverage amount right for you and learn how to calculate your monthly premium. 

State Basic and Optional Life Insurance

FGCU Basic Life Insurance

2026

The State of Florida is pleased to announce MetLife as the new Term Life Insurance provider beginning January 1, 2026.

Savings and Spending Accounts

The State of Florida offers eligible employees three types of reimbursement accounts that provide you a tax break on your out-of-pocket expenses. Options include: health and dependent care flexible spending accounts, health savings accounts and health reimbursement accounts. Annual contribution limits may apply in addition to annual deadlines to use the funds.

2025 Plan Information

Resources

Chard Snyder Mobile App

Supplemental Plans

The State of Florida offers eligible employees supplemental plans that pay benefits directly to you, in addition to the benefit received from your health insurance plan. The employee pays the full premium for any elected plan on a bi-weekly, pre-tax basis. Plans may require medical underwriting and may exclude coverage for pre-existing conditions.

Please click for the State Supplemental Plan website. 

Shared Savings

The State of Florida offers a Shared Savings Program to reward you for making informed and cost-effective decisions about your healthcare. This voluntary program is available to you and your dependents who are enrolled in a State Group Insurance Health Plan. 

Under the Shared Savings Program, you can earn rewards by receiving rewardable healthcare services through the use of the state vendors: Healthcare Bluebook and Lantern Cancer and Surgical Care.

Please click for the State Shared Savings Program website. 

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