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Marketplace health plans in Gulf 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, Gulf County, Florida has 77 Marketplace health plans from 3 insurers: 25 bronze, 28 silver, 16 gold, 8 platinum. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $683.81 per month; the lowest bronze premium is $504.83.
What changed vs 2025
- Benchmark silver premium up $173.49 a month (+34.0%) from 2025
- 12 fewer plans than 2025
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $115.59 a month
Market snapshot
- Residents under 65
- 11,539
- Insurers
- 3
- Plans by metal level
- 25 bronze, 28 silver, 16 gold, 8 platinum
- Benchmark silver premium, age 40, before subsidies
- $683.81/mo
- Lowest bronze premium, age 40, before subsidies
- $504.83/mo
- Lowest gold premium, age 40, before subsidies
- $669.21/mo
- Lowest silver deductible
- $3,125
- Lowest out-of-pocket maximum
- $2,250
Insurers in the county
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Florida Blue HMO (a BlueCross BlueShield FL company) — 25 plans (Bronze, Silver, Gold, Platinum)
- Ambetter Health — 19 plans (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 |
|---|
| Bronze | Everyday Bronze (49004FL0010002) | Ambetter Health | HMO | $504.83 | $8,450 | $10,150 | 25 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $641.09 | $8,000 | $8,400 | 28 |
|---|
| Gold | Standard Gold (49004FL0010013) | Ambetter Health | HMO | $669.21 | $2,000 | $8,200 | 16 |
|---|
| Platinum | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0120062) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,168.37 | $1,000 | $4,000 | 8 |
|---|
One plan per metal level shown, of 77 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 |
|---|
| $535.07 | $560.75 | $607.30 | $683.81 | $955.63 | $1,452.16 |
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.