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Marketplace health plans in Hernando 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, Hernando County, Florida has 128 Marketplace health plans from 5 insurers: 44 bronze, 45 silver, 28 gold, 9 platinum, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $702.35 per month; the lowest bronze premium is $530.43.
What changed vs 2026
- Benchmark silver premium up $46.34 a month (+7.1%) from 2026
- 22 more plans than 2026
- Insurers entered: Wellpoint
- Lowest bronze premium up $53.77 a month
Market snapshot
- Residents under 65
- 152,422
- Insurers
- 5
- Plans by metal level
- 44 bronze, 45 silver, 28 gold, 9 platinum, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $702.35/mo
- Lowest bronze premium, age 40, before subsidies
- $530.43/mo
- Lowest gold premium, age 40, before subsidies
- $682.17/mo
- Lowest silver deductible
- $1,850
- Lowest out-of-pocket maximum
- $4,000
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 41 plans (Catastrophic, Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Oscar Health Maintenance Organization of Florida — 20 plans (Bronze, Silver, Gold)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- Wellpoint — 15 plans (Catastrophic, 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 |
|---|---|---|---|---|---|---|---|
| Catastrophic | myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) (30252FL0210014) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $423.93 | $12,000 | $12,000 | 2 |
| Bronze | myBlue Essentials Bronze (HSA) 27M07-30 (Rewards) (30252FL0210020) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $530.43 | $11,975 | $12,000 | 44 |
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $664.89 | $8,000 | $9,400 | 45 |
| Gold | Gold Basic (21525FL0020035) | Oscar Health Maintenance Organization of Florida | HMO | $682.17 | $0 | $11,400 | 28 |
| Platinum | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0330009) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,388.21 | $1,500 | $4,250 | 9 |
One plan per metal level shown, of 128 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 |
|---|---|---|---|---|---|
| $549.58 | $575.95 | $623.76 | $702.35 | $981.53 | $1,491.53 |
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.