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Marketplace health plans in Baker County, FL — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Baker County, Florida has 124 Marketplace health plans from 5 insurers: 40 bronze, 41 silver, 29 gold, 14 platinum. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $703.84 per month; the lowest bronze premium is $519.62.
What changed vs 2025
- Benchmark silver premium up $140.54 a month (+24.9%) from 2025
- 11 more plans than 2025
- Lowest bronze premium up $72.15 a month
Market snapshot
- Residents under 65
- 24,095
- Insurers
- 5
- Plans by metal level
- 40 bronze, 41 silver, 29 gold, 14 platinum
- Benchmark silver premium, age 40, before subsidies
- $703.84/mo
- Lowest bronze premium, age 40, before subsidies
- $519.62/mo
- Lowest gold premium, age 40, before subsidies
- $688.80/mo
- Lowest silver deductible
- $3,125
- Lowest out-of-pocket maximum
- $2,250
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 39 plans (Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- Molina Healthcare — 19 plans (Bronze, Silver, Gold)
- AvMed — 14 plans (Bronze, Silver, Gold, Platinum)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Bronze | Everyday Bronze (49004FL0010002) | Ambetter Health | HMO | $519.62 | $8,450 | $10,150 | 40 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $659.87 | $8,000 | $8,400 | 41 |
|---|
| Gold | Standard Gold (49004FL0010013) | Ambetter Health | HMO | $688.80 | $2,000 | $8,200 | 29 |
|---|
| Platinum | myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) (30252FL0070075) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $1,303.69 | $0 | $2,250 | 14 |
|---|
One plan per metal level shown, of 124 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter Health) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $550.74 | $577.17 | $625.08 | $703.84 | $983.61 | $1,494.69 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.