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Marketplace health plans in Monroe 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, Monroe County, Florida has 33 Marketplace health plans from 1 insurer: 12 bronze, 8 silver, 7 gold, 6 platinum. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $1,277.62 per month; the lowest bronze premium is $949.07.
What changed vs 2025
- Benchmark silver premium up $371.29 a month (+41.0%) from 2025
- 13 fewer plans than 2025
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $227.10 a month
Market snapshot
- Residents under 65
- 61,613
- Insurers
- 1
- Plans by metal level
- 12 bronze, 8 silver, 7 gold, 6 platinum
- Benchmark silver premium, age 40, before subsidies
- $1,277.62/mo
- Lowest bronze premium, age 40, before subsidies
- $949.07/mo
- Lowest gold premium, age 40, before subsidies
- $1,430.48/mo
- Lowest silver deductible
- $3,125
- Lowest out-of-pocket maximum
- $2,525
Insurers in the county
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
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 | BlueSelect Bronze 24L01-01 (Rewards) (16842FL0120001) | Florida Blue (BlueCross BlueShield FL) | EPO | $949.07 | $6,150 | $10,150 | 12 |
|---|
| Silver | BlueSelect Silver 1443 ($10 Labs / Rewards) (16842FL0120072) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,272.01 | $4,000 | $8,100 | 8 |
|---|
| Gold | BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) (16842FL0120095) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,430.48 | $2,000 | $8,200 | 7 |
|---|
| Platinum | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0120062) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,873.82 | $1,000 | $4,000 | 6 |
|---|
One plan per metal level shown, of 33 plans in the county.
Benchmark silver premium by age
The benchmark plan (Florida Blue (BlueCross BlueShield FL)) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $999.70 | $1,047.69 | $1,134.66 | $1,277.62 | $1,785.46 | $2,713.19 |
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.