Home › Agent Hub › Agent Tools › Marketplace plans by county › Florida › Highlands County
Agent Tools
Marketplace health plans in Highlands 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, Highlands County, Florida has 94 Marketplace health plans from 4 insurers: 31 bronze, 35 silver, 20 gold, 8 platinum. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $671.68 per month; the lowest bronze premium is $495.88.
What changed vs 2025
- Benchmark silver premium up $151.84 a month (+29.2%) from 2025
- 25 fewer plans than 2025
- Insurers exited: Aetna CVS Health, Health First Commercial Plans, Inc.
- Lowest bronze premium up $99.38 a month
Market snapshot
- Residents under 65
- 67,651
- Insurers
- 4
- Plans by metal level
- 31 bronze, 35 silver, 20 gold, 8 platinum
- Benchmark silver premium, age 40, before subsidies
- $671.68/mo
- Lowest bronze premium, age 40, before subsidies
- $495.88/mo
- Lowest gold premium, age 40, before subsidies
- $657.34/mo
- Lowest silver deductible
- $2,700
- 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)
- UnitedHealthcare — 17 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 | $495.88 | $8,450 | $10,150 | 31 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $629.72 | $8,000 | $8,400 | 35 |
|---|
| Gold | Standard Gold (49004FL0010013) | Ambetter Health | HMO | $657.34 | $2,000 | $8,200 | 20 |
|---|
| Platinum | myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) (30252FL0070075) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $1,321.59 | $0 | $2,250 | 8 |
|---|
One plan per metal level shown, of 94 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 |
|---|
| $525.58 | $550.80 | $596.52 | $671.68 | $938.67 | $1,426.40 |
Nearby counties
Agent Tools
Free tools for licensed agents working Highlands County.
Get free agent tools
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 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.