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Marketplace health plans in Indian River 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, Indian River County, Florida has 138 Marketplace health plans from 7 insurers: 47 bronze, 49 silver, 33 gold, 6 platinum, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $656.47 per month; the lowest bronze premium is $528.85.
What changed vs 2026
- Benchmark silver premium up $65.32 a month (+11.0%) from 2026
- 17 more plans than 2026
- Insurers entered: AmeriHealth Caritas Next, Oscar Health Maintenance Organization of Florida
- Insurers exited: Cigna Healthcare, Cigna HealthCare of Florida, Inc.
- Lowest bronze premium up $92.43 a month
Market snapshot
- Residents under 65
- 108,765
- Insurers
- 7
- Plans by metal level
- 47 bronze, 49 silver, 33 gold, 6 platinum, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $656.47/mo
- Lowest bronze premium, age 40, before subsidies
- $528.85/mo
- Lowest gold premium, age 40, before subsidies
- $672.34/mo
- Lowest silver deductible
- $1,850
- 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)
- Oscar Health Maintenance Organization of Florida — 20 plans (Bronze, Silver, Gold)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- Health First Commercial Plans, Inc. — 16 plans (Catastrophic, Bronze, Silver, Gold)
- Wellpoint — 15 plans (Catastrophic, Bronze, Silver, Gold)
- AmeriHealth Caritas Next — 8 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 | Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) (36194FL0450003) | Health First Commercial Plans, Inc. | HMO | $367.75 | $12,000 | $12,000 | 3 |
| Bronze | Signature Expanded Bronze (49004FL0010001) | Ambetter Health | HMO | $528.85 | $7,500 | $12,000 | 47 |
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $642.02 | $8,000 | $9,400 | 49 |
| Gold | Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) (36194FL0440003) | Health First Commercial Plans, Inc. | HMO | $672.34 | $3,050 | $8,100 | 33 |
| Platinum | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0330009) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,881.47 | $1,500 | $4,250 | 6 |
One plan per metal level shown, of 138 plans in the county.
Benchmark silver premium by age
The benchmark plan (Health First Commercial Plans, Inc.) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $513.67 | $538.32 | $583.01 | $656.47 | $917.41 | $1,394.09 |
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.