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Marketplace health plans in Bay 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, Bay County, Florida has 106 Marketplace health plans from 4 insurers: 36 bronze, 38 silver, 21 gold, 11 platinum. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $682.50 per month; the lowest bronze premium is $501.25.
What changed vs 2025
- Benchmark silver premium up $174.66 a month (+34.4%) from 2025
- 9 fewer plans than 2025
- Insurers entered: Oscar Health Maintenance Organization of Florida
- Insurers exited: Aetna CVS Health, Oscar Insurance Company of Florida
- Lowest bronze premium up $113.90 a month
Market snapshot
- Residents under 65
- 152,315
- Insurers
- 4
- Plans by metal level
- 36 bronze, 38 silver, 21 gold, 11 platinum
- Benchmark silver premium, age 40, before subsidies
- $682.50/mo
- Lowest bronze premium, age 40, before subsidies
- $501.25/mo
- Lowest gold premium, age 40, before subsidies
- $623.54/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)
- Oscar Health Maintenance Organization of Florida — 15 plans (Bronze, Silver, Gold)
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 | Bronze Simple Breathe Easy with Enhanced COPD Benefits (21525FL0020004) | Oscar Health Maintenance Organization of Florida | HMO | $501.25 | $9,000 | $10,600 | 36 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $639.86 | $8,000 | $8,400 | 38 |
|---|
| Gold | Gold Simple (21525FL0020016) | Oscar Health Maintenance Organization of Florida | HMO | $623.54 | $3,000 | $9,950 | 21 |
|---|
| Platinum | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0120062) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,165.69 | $1,000 | $4,000 | 11 |
|---|
One plan per metal level shown, of 106 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 |
|---|
| $534.05 | $559.67 | $606.13 | $682.50 | $953.79 | $1,449.37 |
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.