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Marketplace health plans in Indian River 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, Indian River County, Florida has 121 Marketplace health plans from 7 insurers: 38 bronze, 43 silver, 30 gold, 8 platinum, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $591.15 per month; the lowest bronze premium is $436.42.
What changed vs 2025
- Benchmark silver premium up $103.46 a month (+21.2%) from 2025
- 5 fewer plans than 2025
- Insurers entered: Cigna HealthCare of Florida, Inc.
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $64.03 a month
Market snapshot
- Residents under 65
- 108,765
- Insurers
- 7
- Plans by metal level
- 38 bronze, 43 silver, 30 gold, 8 platinum, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $591.15/mo
- Lowest bronze premium, age 40, before subsidies
- $436.42/mo
- Lowest gold premium, age 40, before subsidies
- $562.46/mo
- Lowest silver deductible
- $1,850
- 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)
- Health First Commercial Plans, Inc. — 16 plans (Catastrophic, Bronze, Silver, Gold)
- Wellpoint — 13 plans (Catastrophic, Bronze, Silver, Gold)
- Cigna Healthcare — 10 plans (Bronze, Silver, Gold)
- Cigna HealthCare of Florida, Inc. — 5 plans (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 | Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) (36194FL0450003) | Health First Commercial Plans, Inc. | HMO | $287.52 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Everyday Bronze (49004FL0010002) | Ambetter Health | HMO | $436.42 | $8,450 | $10,150 | 38 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $554.22 | $8,000 | $8,400 | 43 |
|---|
| Gold | Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) (36194FL0440003) | Health First Commercial Plans, Inc. | HMO | $562.46 | $3,050 | $8,100 | 30 |
|---|
| Platinum | myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) (30252FL0070027) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $1,199.75 | $0 | $2,250 | 8 |
|---|
One plan per metal level shown, of 121 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 |
|---|
| $462.57 | $484.76 | $525 | $591.15 | $826.13 | $1,255.38 |
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.