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Marketplace health plans in Highlands 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, Highlands County, Florida has 95 Marketplace health plans from 4 insurers: 31 bronze, 35 silver, 22 gold, 6 platinum, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $778.05 per month; the lowest bronze premium is $606.73.
What changed vs 2026
- Benchmark silver premium up $106.37 a month (+15.8%) from 2026
- 1 more plan than 2026
- Lowest bronze premium up $110.85 a month
Market snapshot
- Residents under 65
- 67,651
- Insurers
- 4
- Plans by metal level
- 31 bronze, 35 silver, 22 gold, 6 platinum, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $778.05/mo
- Lowest bronze premium, age 40, before subsidies
- $606.73/mo
- Lowest gold premium, age 40, before subsidies
- $811.97/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $4,025
Insurers in the county
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Florida Blue HMO (a BlueCross BlueShield FL company) — 27 plans (Catastrophic, Bronze, Silver, Gold)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 16 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 |
|---|---|---|---|---|---|---|---|
| Catastrophic | myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) (30252FL0210014) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $504.38 | $12,000 | $12,000 | 1 |
| Bronze | Signature Expanded Bronze (49004FL0010001) | Ambetter Health | HMO | $606.73 | $7,500 | $12,000 | 31 |
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $736.56 | $8,000 | $9,400 | 35 |
| Gold | Signature Gold (49004FL0010013) | Ambetter Health | HMO | $811.97 | $2,500 | $8,600 | 22 |
| Platinum | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0330009) | Florida Blue (BlueCross BlueShield FL) | EPO | $2,012.63 | $1,500 | $4,250 | 6 |
One plan per metal level shown, of 95 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 |
|---|---|---|---|---|---|
| $608.81 | $638.02 | $690.99 | $778.05 | $1,087.32 | $1,652.29 |
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.