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Marketplace health plans in DeSoto 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, DeSoto County, Florida has 97 Marketplace health plans from 5 insurers: 33 bronze, 29 silver, 25 gold, 9 platinum, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $674.24 per month; the lowest bronze premium is $525.78.
What changed vs 2026
- Benchmark silver premium down $38.07 a month (−5.3%) from 2026
- 18 fewer plans than 2026
- Insurers exited: Molina Healthcare
- Lowest bronze premium down $0.10 a month
Market snapshot
- Residents under 65
- 26,969
- Insurers
- 5
- Plans by metal level
- 33 bronze, 29 silver, 25 gold, 9 platinum, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $674.24/mo
- Lowest bronze premium, age 40, before subsidies
- $525.78/mo
- Lowest gold premium, age 40, before subsidies
- $703.63/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $4,000
Insurers in the county
- 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)
- Florida Blue HMO (a BlueCross BlueShield FL company) — 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 |
|---|---|---|---|---|---|---|---|
| Catastrophic | Wellpoint Essential Catastrophic HSA (+ Incentives) (44228FL0040004) | Wellpoint | HMO | $635.84 | $12,000 | $12,000 | 1 |
| Bronze | Signature Expanded Bronze (49004FL0010001) | Ambetter Health | HMO | $525.78 | $7,500 | $12,000 | 33 |
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $638.28 | $8,000 | $9,400 | 29 |
| Gold | Signature Gold (49004FL0010013) | Ambetter Health | HMO | $703.63 | $2,500 | $8,600 | 25 |
| Platinum | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0330009) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,638.95 | $1,500 | $4,250 | 9 |
One plan per metal level shown, of 97 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 |
|---|---|---|---|---|---|
| $527.58 | $552.90 | $598.80 | $674.24 | $942.25 | $1,431.84 |
Nearby counties
Agent Tools
Free tools for licensed agents working DeSoto County.
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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.