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Marketplace health plans in Flagler 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, Flagler County, Florida has 122 Marketplace health plans from 6 insurers: 43 bronze, 39 silver, 30 gold, 9 platinum, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $696.53 per month; the lowest bronze premium is $508.37.
What changed vs 2025
- Benchmark silver premium up $151.20 a month (+27.7%) from 2025
- 8 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 $74.27 a month
Market snapshot
- Residents under 65
- 86,900
- Insurers
- 6
- Plans by metal level
- 43 bronze, 39 silver, 30 gold, 9 platinum, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $696.53/mo
- Lowest bronze premium, age 40, before subsidies
- $508.37/mo
- Lowest gold premium, age 40, before subsidies
- $632.39/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $2,525
Insurers in the county
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Florida Health Care Plans — 23 plans (Bronze, Silver, Gold)
- Oscar Health Maintenance Organization of Florida — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- Health First Commercial Plans, Inc. — 16 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 | Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) (36194FL0450003) | Health First Commercial Plans, Inc. | HMO | $338.33 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Bronze Simple Breathe Easy with Enhanced COPD Benefits (21525FL0010006) | Oscar Health Maintenance Organization of Florida | HMO | $508.37 | $9,000 | $10,600 | 43 |
|---|
| Silver | Silver Simple PCP Saver | with AdventHealth (21525FL0010016) | Oscar Health Maintenance Organization of Florida | HMO | $693.46 | $5,000 | $9,250 | 39 |
|---|
| Gold | Gold Simple | with AdventHealth (21525FL0010023) | Oscar Health Maintenance Organization of Florida | HMO | $632.39 | $3,000 | $9,950 | 30 |
|---|
| Platinum | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0120062) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,404.76 | $1,000 | $4,000 | 9 |
|---|
One plan per metal level shown, of 122 plans in the county.
Benchmark silver premium by age
The benchmark plan (Health First Commercial Plans, Inc.) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $545.02 | $571.18 | $618.59 | $696.53 | $973.40 | $1,479.17 |
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.