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Marketplace health plans in Franklin 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, Franklin County, Florida has 66 Marketplace health plans from 4 insurers: 20 bronze, 26 silver, 14 gold, 6 platinum. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $652.80 per month; the lowest bronze premium is $482.44.
What changed vs 2025
- Benchmark silver premium up $158.05 a month (+31.9%) from 2025
- 10 fewer plans than 2025
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $105.08 a month
Market snapshot
- Residents under 65
- 9,227
- Insurers
- 4
- Plans by metal level
- 20 bronze, 26 silver, 14 gold, 6 platinum
- Benchmark silver premium, age 40, before subsidies
- $652.80/mo
- Lowest bronze premium, age 40, before subsidies
- $482.44/mo
- Lowest gold premium, age 40, before subsidies
- $639.53/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) — 25 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- Florida Blue (BlueCross BlueShield FL) — 14 plans (Bronze, Silver, Gold, Platinum)
- Capital Health Plan — 8 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 |
|---|
| Bronze | Everyday Bronze (49004FL0010002) | Ambetter Health | HMO | $482.44 | $8,450 | $10,150 | 20 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $612.66 | $8,000 | $8,400 | 26 |
|---|
| Gold | Standard Gold (49004FL0010013) | Ambetter Health | HMO | $639.53 | $2,000 | $8,200 | 14 |
|---|
| Platinum | Capital Health Plan HMO Platinum 4000 (66966FL0050008) | Capital Health Plan | HMO | $980.39 | $0 | $5,200 | 6 |
|---|
One plan per metal level shown, of 66 plans in the county.
Benchmark silver premium by age
The benchmark plan (Capital Health Plan) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $510.79 | $535.31 | $579.75 | $652.80 | $912.28 | $1,386.30 |
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.