name = "Atlas Commons research objects — ACA marketplace coverage for Florida (2026)"
description = "Florida's ACA marketplace coverage from the CMS ACA Plan Attributes PUF, with each figure's epistemic status labeled: every plan count — medical plans, standalone dental plans, and breakdowns by metal level, plan type, HSA-eligibility, and referral requirement — is a measured census of plans offered (counts of rows in the CMS file, all labeled RECORDED); the sticker premium landscape by metal tier (40yo, pre-subsidy) is a recorded set of published CMS Rate PUF rates, with the subsidy note labeled CONTEXT; the boundary note is context (labeled CONTEXT) — these count plans offered and their sticker price, not enrollment, the insured rate, or net cost after subsidies. Sources: CMS ACA Plan Attributes PUF, CMS Marketplace Rate PUF. CC0."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/medical-plan-count"
warrant = "RECORDED"
name = "2,119 ACA medical marketplace plans are offered in Florida for plan year 2026"
text = "The CMS ACA Plan Attributes PUF records 2,119 on-marketplace medical plans from 16 issuers offered in Florida for the 2026 plan year. A census of offered plans."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/metal-distribution"
warrant = "RECORDED"
name = "Medical plan counts by CMS metal level in Florida (2026): Silver 1,127, Expanded Bronze 460, Gold 388, Platinum 100"
text = "Counts of the 2,119 medical plans by CMS-defined metal level: Silver 1,127, Expanded Bronze 460, Gold 388, Platinum 100, Bronze 40, Catastrophic 4. The metal levels are CMS categories; this is a count of PUF rows per category."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/plan-type-distribution"
warrant = "RECORDED"
name = "Medical plan counts by CMS plan type in Florida (2026): HMO 1,665, EPO 222, POS 167, PPO 65"
text = "Counts of the 2,119 medical plans by CMS-defined plan type (HMO/PPO/EPO/POS): HMO 1,665, EPO 222, POS 167, PPO 65. A count of PUF rows per CMS category."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/hsa-eligible"
warrant = "RECORDED"
name = "506 of 2,119 medical plans in Florida are HSA-eligible (2026)"
text = "The PUF flags 506 of the 2,119 medical plans as HSA-eligible — a count of plans carrying the CMS HSA-eligibility attribute."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/no-referral"
warrant = "RECORDED"
name = "1,232 of 2,119 medical plans in Florida require no specialist referral (2026)"
text = "The PUF flags 1,232 of the 2,119 medical plans as not requiring a referral to see a specialist — a count of plans carrying the CMS no-referral attribute."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/dental-plan-count"
warrant = "RECORDED"
name = "82 standalone dental plans are offered in Florida for plan year 2026"
text = "The PUF records 82 standalone dental plans from 11 issuers offered in Florida for the 2026 plan year."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/premium-landscape"
warrant = "DERIVED"
name = "STICKER ACA premiums in Florida for a 40-year-old (before tax credits): Silver median $789/mo"
text = "Per-metal-tier MEDIAN and range of full (pre-subsidy) monthly premiums for a 40-year-old, individual, non-tobacco, across Florida's 67 rating area(s): Catastrophic $531 ($282–$637), Bronze $657 ($427–$1,389), Silver $789 ($554–$2,203), Gold $880 ($545–$2,254), Platinum $1,484 ($900–$3,051). The per-plan rates are RECORDED in the CMS Marketplace Rate PUF; these per-tier median/min/max figures are DERIVED — the atlas's own aggregation over 410 Rate-PUF rate rows (CMS does not publish a state×tier median). The FULL sticker price — most marketplace enrollees pay less after income-based premium tax credits; this is not net cost."
source = "CMS Marketplace Rate Public Use File (atlas-aggregated per tier)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "occurred=FALSE (a computed summary, not a single published figure) and adjudged=FALSE (the atlas's aggregation, not a CMS-published statistic). Reproduce it: take the median/min/max of the 410 CMS Rate-PUF rows for a 40yo non-tobacco enrollee per metal tier across the rating areas. Falsified if the per-row rates or the aggregation are wrong; it is sticker (pre-subsidy), so it overstates what a subsidized enrollee pays."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/premium-subsidy-boundary"
warrant = "INTERPRETATION"
name = "What the Florida premiums mean — sticker, not your price"
text = "The premiums above are FULL pre-subsidy stickers. The Affordable Care Act caps a household's benchmark-Silver premium at a share of income via an advance premium tax credit, which can be applied to any tier — so a subsidized lower-income enrollee can pay far less, sometimes near $0. The sticker tells you how plans compare and the unsubsidized cost, NOT what you will pay. Net cost depends on your income and the prevailing tax-credit rules; we do not compute it. Get your actual price at HealthCare.gov."
source = "Coverage Atlas framing (over the CMS Rate PUF figures above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
falsifier = "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict). The sticker premiums above are CMS Rate PUF records (recorded); this subsidy note is interpretation."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/fl/boundary"
warrant = "INTERPRETATION"
name = "What these coverage figures are — and are NOT — for Florida (the epistemic boundary)"
text = "The plan counts above are a COUNT OF PLANS OFFERED on the ACA marketplace for plan year 2026 (a CMS PUF census); the premiums are FULL sticker rates for a 40-year-old. They are NOT enrollment counts, the insured/uninsured rate, NET cost after subsidies, or who actually has coverage. For your net premium use HealthCare.gov / your state marketplace; for the insured rate use the Census ACS / KFF. This object describes what is OFFERED and its sticker price, not who is COVERED or what they pay."
source = "Coverage Atlas framing (over the CMS facts above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
falsifier = "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict) — the LOWEST-warrant claim here. The plan counts and sticker premiums above are direct CMS records; this is interpretation, and the four-status says so."

[[coverageIndicators]]
indicator = "Medical plans offered"
value = 2119
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical issuers"
value = 16
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "HSA-eligible medical plans"
value = 506
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical plans requiring no specialist referral"
value = 1232
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental plans offered"
value = 82
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental issuers"
value = 11
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Distinct issuers (medical + dental)"
value = 26
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Plan year"
value = 2026
warrant = "—"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Silver median sticker premium (USD/mo)"
value = 789
warrant = "DERIVED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rating areas (premium aggregate)"
value = 67
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rate-PUF rate rows summarized"
value = 410
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[metalDistribution]]
metal_level = "Silver"
plan_count = 1127

[[metalDistribution]]
metal_level = "Expanded Bronze"
plan_count = 460

[[metalDistribution]]
metal_level = "Gold"
plan_count = 388

[[metalDistribution]]
metal_level = "Platinum"
plan_count = 100

[[metalDistribution]]
metal_level = "Bronze"
plan_count = 40

[[metalDistribution]]
metal_level = "Catastrophic"
plan_count = 4

[[planTypeDistribution]]
plan_type = "HMO"
plan_count = 1665

[[planTypeDistribution]]
plan_type = "EPO"
plan_count = 222

[[planTypeDistribution]]
plan_type = "POS"
plan_count = 167

[[planTypeDistribution]]
plan_type = "PPO"
plan_count = 65

[[marketCoverage]]
market_coverage = "Individual"
plan_count = 2199

[[marketCoverage]]
market_coverage = "SHOP (Small Group)"
plan_count = 2

[[premiumTiers]]
tier = "Catastrophic"
plans = 29
median_usd = 531
p25_usd = 481
p75_usd = 554
min_usd = 282
max_usd = 637

[[premiumTiers]]
tier = "Bronze"
plans = 2491
median_usd = 657
p25_usd = 582
p75_usd = 756
min_usd = 427
max_usd = 1389

[[premiumTiers]]
tier = "Silver"
plans = 2710
median_usd = 789
p25_usd = 723
p75_usd = 905
min_usd = 554
max_usd = 2203

[[premiumTiers]]
tier = "Gold"
plans = 1716
median_usd = 880
p25_usd = 758
p75_usd = 1070
min_usd = 545
max_usd = 2254

[[premiumTiers]]
tier = "Platinum"
plans = 623
median_usd = 1484
p25_usd = 1310
p75_usd = 1876
min_usd = 900
max_usd = 3051

[[issuers]]
issuer = "22 Health"

[[issuers]]
issuer = "Ambetter Health"

[[issuers]]
issuer = "AmeriHealth Caritas Next"

[[issuers]]
issuer = "AvMed"

[[issuers]]
issuer = "BEST Life"

[[issuers]]
issuer = "Capital Health Plan"

[[issuers]]
issuer = "Cigna HealthCare of Florida, Inc."

[[issuers]]
issuer = "Cigna Healthcare"

[[issuers]]
issuer = "Delta Dental"

[[issuers]]
issuer = "DentaQuest Insurance Company, Inc."

[[issuers]]
issuer = "Dominion National"

[[issuers]]
issuer = "EMI Health"

[[issuers]]
issuer = "Florida Blue (BlueCross BlueShield FL)"

[[issuers]]
issuer = "Florida Blue HMO (a BlueCross BlueShield FL company)"

[[issuers]]
issuer = "Florida Combined Life"

[[issuers]]
issuer = "Florida Health Care Plans"

[[issuers]]
issuer = "Guardian"

[[issuers]]
issuer = "Health First Commercial Plans, Inc."

[[issuers]]
issuer = "Humana"

[[issuers]]
issuer = "Molina Healthcare"

[[issuers]]
issuer = "Oscar Health Maintenance Organization of Florida"

[[issuers]]
issuer = "Renaissance Dental"

[[issuers]]
issuer = "Solstice Benefits"

[[issuers]]
issuer = "UnitedHealthcare"

[[issuers]]
issuer = "Wellpoint"
