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Marketplace health plans in Flagler 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, Flagler County, Florida has 140 Marketplace health plans from 6 insurers: 48 bronze, 44 silver, 36 gold, 9 platinum, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $754.35 per month; the lowest bronze premium is $563.09.
What changed vs 2026
- Benchmark silver premium up $57.82 a month (+8.3%) from 2026
- 18 more plans than 2026
- Lowest bronze premium up $54.72 a month
Market snapshot
- Residents under 65
- 86,900
- Insurers
- 6
- Plans by metal level
- 48 bronze, 44 silver, 36 gold, 9 platinum, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $754.35/mo
- Lowest bronze premium, age 40, before subsidies
- $563.09/mo
- Lowest gold premium, age 40, before subsidies
- $697.84/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $4,000
Insurers in the county
- Oscar Health Maintenance Organization of Florida — 36 plans (Bronze, Silver, Gold)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Florida Health Care Plans — 25 plans (Catastrophic, Bronze, Silver, Gold)
- Health First Commercial Plans, Inc. — 16 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 16 plans (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 | $428.41 | $12,000 | $12,000 | 3 |
| Bronze | Bronze Simple Breathe Easy with Enhanced COPD Benefits | with AdventHealth (21525FL0010006) | Oscar Health Maintenance Organization of Florida | HMO | $563.09 | $9,000 | $12,000 | 48 |
| Silver | Silver Simple PCP Saver | with AdventHealth (21525FL0010016) | Oscar Health Maintenance Organization of Florida | HMO | $752.98 | $5,750 | $10,000 | 44 |
| Gold | Gold Basic | with AdventHealth (21525FL0010071) | Oscar Health Maintenance Organization of Florida | HMO | $697.84 | $0 | $11,400 | 36 |
| Platinum | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0330009) | Florida Blue (BlueCross BlueShield FL) | EPO | $2,056.63 | $1,500 | $4,250 | 9 |
One plan per metal level shown, of 140 plans in the county.
Benchmark silver premium by age
The benchmark plan (Oscar Health Maintenance Organization of Florida) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $590.26 | $618.59 | $669.94 | $754.35 | $1,054.19 | $1,601.95 |
Nearby counties
Agent Tools
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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.