Home › Agent Hub › Agent Tools › Marketplace plans by county › Florida › Charlotte County
Agent Tools
Marketplace health plans in Charlotte County, FL — 2027
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 2027, Charlotte County, Florida has 160 Marketplace health plans from 6 insurers: 54 bronze, 57 silver, 38 gold, 9 platinum, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $759.76 per month; the lowest bronze premium is $572.95.
What changed vs 2026
- Benchmark silver premium up $57.24 a month (+8.1%) from 2026
- 50 more plans than 2026
- Insurers entered: UnitedHealthcare, Wellpoint
- Lowest bronze premium up $54.30 a month
Market snapshot
- Residents under 65
- 119,536
- Insurers
- 6
- Plans by metal level
- 54 bronze, 57 silver, 38 gold, 9 platinum, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $759.76/mo
- Lowest bronze premium, age 40, before subsidies
- $572.95/mo
- Lowest gold premium, age 40, before subsidies
- $710.29/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $4,000
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 41 plans (Catastrophic, Bronze, Silver, Gold, Platinum)
- Oscar Health Maintenance Organization of Florida — 36 plans (Bronze, Silver, Gold)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 16 plans (Bronze, Silver, Gold)
- Wellpoint — 15 plans (Catastrophic, 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 |
|---|---|---|---|---|---|---|---|
| Catastrophic | myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) (30252FL0210014) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $457.91 | $12,000 | $12,000 | 2 |
| Bronze | myBlue Essentials Bronze (HSA) 27M07-30 (Rewards) (30252FL0210020) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $572.95 | $11,975 | $12,000 | 54 |
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $719.24 | $8,000 | $9,400 | 57 |
| Gold | Gold Basic | with AdventHealth (21525FL0010071) | Oscar Health Maintenance Organization of Florida | HMO | $710.29 | $0 | $11,400 | 38 |
| Platinum | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0330009) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,466.53 | $1,500 | $4,250 | 9 |
One plan per metal level shown, of 160 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 |
|---|---|---|---|---|---|
| $594.50 | $623.02 | $674.74 | $759.76 | $1,061.76 | $1,613.44 |
Nearby counties
Agent Tools
Free tools for licensed agents working Charlotte County.
- Medicare plan intelligence for Charlotte County
- Compare with another county
- All agent tools
- Download plan list (CSV)
- Alert me when plans change here
Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.