Home › Agent Hub › Agent Tools › Marketplace plans by county › Florida › St. Lucie County
Agent Tools
Marketplace health plans in St. Lucie 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. Lucie County, Florida has 115 Marketplace health plans from 7 insurers: 37 bronze, 43 silver, 26 gold, 8 platinum, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $784.01 per month; the lowest bronze premium is $531.30.
What changed vs 2025
- Benchmark silver premium up $217.49 a month (+38.4%) from 2025
- 4 fewer plans than 2025
- Insurers entered: Cigna HealthCare of Florida, Inc., Oscar Health Maintenance Organization of Florida
- Insurers exited: Aetna CVS Health, Oscar Insurance Company of Florida
- Lowest bronze premium up $126.45 a month
Market snapshot
- Residents under 65
- 271,966
- Insurers
- 7
- Plans by metal level
- 37 bronze, 43 silver, 26 gold, 8 platinum, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $784.01/mo
- Lowest bronze premium, age 40, before subsidies
- $531.30/mo
- Lowest gold premium, age 40, before subsidies
- $686.22/mo
- Lowest silver deductible
- $1,850
- 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)
- Ambetter Health — 19 plans (Bronze, Silver, Gold)
- Oscar Health Maintenance Organization of Florida — 15 plans (Bronze, Silver, Gold)
- Florida Blue (BlueCross BlueShield FL) — 14 plans (Bronze, Silver, Gold, Platinum)
- 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 | Wellpoint Essential Catastrophic (+ Incentives) (44228FL0040004) | Wellpoint | HMO | $615.06 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Connect Bronze Mid-South CMS Standard (48121FL0070107) | Cigna Healthcare | EPO | $531.30 | $7,500 | $10,000 | 37 |
|---|
| Silver | Partnered Care Classic Silver (79850FL0020001) | Cigna HealthCare of Florida, Inc. | HMO | $783.03 | $5,000 | $7,950 | 43 |
|---|
| Gold | Partnered Care Premier Gold (79850FL0020003) | Cigna HealthCare of Florida, Inc. | HMO | $686.22 | $1,850 | $7,700 | 26 |
|---|
| Platinum | myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) (30252FL0070075) | Florida Blue HMO (a BlueCross BlueShield FL company) | HMO | $1,356.25 | $0 | $2,250 | 8 |
|---|
One plan per metal level shown, of 115 plans in the county.
Benchmark silver premium by age
The benchmark plan (Cigna HealthCare of Florida, Inc.) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $613.47 | $642.92 | $696.29 | $784.01 | $1,095.66 | $1,664.96 |
Nearby counties
Agent Tools
Free tools for licensed agents working St. Lucie County.
Get free agent tools
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 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.