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Marketplace health plans in St. Johns 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, St. Johns County, Florida has 143 Marketplace health plans from 6 insurers: 47 bronze, 51 silver, 31 gold, 14 platinum. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $697.47 per month; the lowest bronze premium is $480.95.
What changed vs 2025
- Benchmark silver premium up $153.45 a month (+28.2%) from 2025
- 2 fewer plans than 2025
- Insurers entered: Oscar Health Maintenance Organization of Florida
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $63.97 a month
Market snapshot
- Residents under 65
- 242,317
- Insurers
- 6
- Plans by metal level
- 47 bronze, 51 silver, 31 gold, 14 platinum
- Benchmark silver premium, age 40, before subsidies
- $697.47/mo
- Lowest bronze premium, age 40, before subsidies
- $480.95/mo
- Lowest gold premium, age 40, before subsidies
- $677.03/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $2,250
Insurers in the county
- Florida Blue HMO (a BlueCross BlueShield FL company) — 39 plans (Bronze, Silver, Gold, Platinum)
- Florida Blue (BlueCross BlueShield FL) — 33 plans (Bronze, Silver, Gold, Platinum)
- Florida Health Care Plans — 23 plans (Bronze, Silver, Gold)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- Oscar Health Maintenance Organization of Florida — 15 plans (Bronze, Silver, Gold)
- AvMed — 14 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 | Gym Access IND Bronze HMO 1340 (56503FL2730001) | Florida Health Care Plans | HMO | $480.95 | $10,150 | $10,150 | 47 |
|---|
| Silver | Clarity Silver (49004FL0010031) | Ambetter Health | HMO | $654.04 | $8,000 | $8,400 | 51 |
|---|
| Gold | Gold Simple (21525FL0020016) | Oscar Health Maintenance Organization of Florida | HMO | $677.03 | $3,000 | $9,950 | 31 |
|---|
| Platinum | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0120062) | Florida Blue (BlueCross BlueShield FL) | EPO | $1,218.91 | $1,000 | $4,000 | 14 |
|---|
One plan per metal level shown, of 143 plans in the county.
Benchmark silver premium by age
The benchmark plan (Florida Health Care Plans) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $545.75 | $571.95 | $619.43 | $697.47 | $974.71 | $1,481.17 |
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.