Health insurance prices in Bay County, FL (2026)
106 marketplace plans from 3 insurers. Cheapest plan $501/mo; typical Silver $710/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 3.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $501–$864 (typical $615) · Silver $640–$1,371 (typical $710) · Gold $624–$1,402 (typical $890) · Platinum $1,166–$1,898 (typical $1,262)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Oscar Health | 15 | $501 | $534 | $690 | $639 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| Ambetter (Centene) | 19 | $504 | $518 | $701 | $693 | Everyday Bronze | |
| Florida BlueFlorida Blue (Blue Cross Blue Shield company) | 72 | $522 | $651 | $731 | $938 | myBlue Bronze 26M01-23 (Rewards) |
All 106 plans in Bay County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | HMO | $501 | $9,000 | $10,600 | $16,615 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $504 | $8,450 | $10,150 | $16,196 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $505 | $7,500 | $10,000 | $16,065 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $517 | $8,450 | $10,150 | $16,360 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $519 | $7,500 | $10,000 | $16,229 | |
| Florida Blue | myBlue Bronze 26M01-23 (Rewards) | Bronze | HMO | $522 | $10,125 | $10,150 | $16,417 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | HMO | $529 | $7,500 | $10,000 | $16,343 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | HMO | $533 | $4,700 | $10,150 | $16,546 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | HMO | $535 | $5,500 | $10,150 | $16,572 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | HMO | $542 | $5,500 | $10,150 | $16,650 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | HMO | $575 | $0 | $10,600 | $17,498 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $576 | $0 | $10,500 | $17,406 | |
| Florida Blue | BlueSelect Bronze 24L01-01 (Rewards) | Bronze | EPO | $590 | $6,150 | $10,150 | $17,235 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $591 | $0 | $10,500 | $17,593 | |
| Florida Blue | myBlue Bronze 2219 ($75 PCP Visits / Rewards) | Expanded Bronze | HMO | $595 | $2,625 | $10,150 | $17,290 | |
| Florida Blue | myBlue Bronze 2312S ($50 PCP Visits / Rewards) | Expanded Bronze | HMO | $596 | $7,500 | $10,000 | $17,150 | |
| Florida Blue | myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) | Expanded Bronze | HMO | $603 | $6,000 | $10,150 | $17,380 | |
| Florida Blue | BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) | Expanded Bronze | EPO | $613 | $7,500 | $10,000 | $17,352 | |
| Florida Blue | BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) | Expanded Bronze | EPO | $618 | $6,650 | $7,400 | $14,815 | |
| Florida Blue | BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | EPO | $622 | $6,500 | $10,000 | $17,468 | |
| Oscar Health | Gold Simple | Gold | HMO | $624 | $3,000 | $9,950 | $17,432 | |
| Ambetter (Centene) | Clarity Silver | Silver | HMO | $640 | $8,000 | $8,400 | $16,078 | |
| Florida Blue | BlueCare Bronze 24K01-05 (Rewards) | Bronze | POS | $641 | $6,150 | $10,150 | $17,840 | |
| Florida Blue | myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) | Expanded Bronze | HMO | $643 | $0 | $10,150 | $17,871 | |
| Florida Blue | myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) | Expanded Bronze | HMO | $647 | $0 | $10,150 | $17,919 | |
| Florida Blue | BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) | Expanded Bronze | EPO | $649 | $0 | $9,900 | $17,688 | |
| Florida Blue | BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) | Expanded Bronze | EPO | $652 | $0 | $9,900 | $17,729 | |
| Oscar Health | Gold Classic Standard | Gold | HMO | $655 | $2,000 | $8,200 | $16,060 | |
| Florida Blue | myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | HMO | $656 | $0 | $10,150 | $18,017 | |
| Florida Blue | BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | EPO | $659 | $0 | $9,900 | $17,811 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $668 | $2,000 | $8,200 | $16,215 | |
| Florida Blue | BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) | Expanded Bronze | POS | $677 | $6,650 | $7,400 | $15,520 | |
| Florida Blue | BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) | Expanded Bronze | POS | $677 | $7,500 | $10,000 | $18,121 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $682 | $800 | $7,250 | $15,439 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $682 | $6,000 | $8,900 | $17,090 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $684 | $5,000 | $9,250 | $17,455 | |
| Florida Blue | myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) | Silver | HMO | $685 | $9,500 | $10,150 | $18,370 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $686 | $2,000 | $8,200 | $16,432 | |
| Florida Blue | myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) | Silver | HMO | $689 | $9,500 | $10,150 | $18,420 | |
| Oscar Health | Silver Classic Standard | Silver | HMO | $690 | $6,000 | $8,900 | $17,178 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | HMO | $690 | $6,200 | $9,600 | $17,880 | |
| Oscar Health | Silver Simple Diabetes | Silver | HMO | $690 | $6,500 | $10,000 | $18,283 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $691 | $6,300 | $8,400 | $16,689 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | HMO | $691 | $6,000 | $10,150 | $18,441 | |
| Oscar Health | Silver Simple Chronic Care CKM | Silver | HMO | $692 | $5,900 | $10,150 | $18,449 | |
| Florida Blue | BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | POS | $692 | $6,500 | $10,000 | $18,307 | |
| Florida Blue | myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) | Silver | HMO | $696 | $7,000 | $9,150 | $17,498 | |
| Florida Blue | myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) | Silver | HMO | $697 | $9,500 | $10,150 | $18,518 | |
| Oscar Health | Silver Elite | Silver | HMO | $699 | $5,000 | $9,750 | $18,139 | |
| Florida Blue | myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) | Silver | HMO | $700 | $7,000 | $9,150 | $17,545 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $701 | $800 | $7,250 | $15,660 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $701 | $6,000 | $8,900 | $17,312 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | HMO | $702 | $5,000 | $8,650 | $17,076 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $705 | $1,450 | $7,500 | $15,962 | |
| Florida Blue | myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) | Silver | HMO | $708 | $7,000 | $9,150 | $17,644 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $709 | $6,300 | $8,400 | $16,913 | |
| Florida Blue | myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) | Silver | HMO | $711 | $6,500 | $9,200 | $17,732 | |
| Florida Blue | myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) | Silver | HMO | $715 | $6,500 | $9,200 | $17,779 | |
| Florida Blue | myBlue Silver 2237 ($60 PCP Visits / Rewards) | Silver | HMO | $719 | $3,150 | $8,675 | $17,298 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | HMO | $721 | $5,000 | $8,650 | $17,304 | |
| Florida Blue | myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) | Silver | HMO | $723 | $3,150 | $8,675 | $17,345 | |
| Florida Blue | myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) | Silver | HMO | $723 | $6,500 | $9,200 | $17,877 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $724 | $1,450 | $7,500 | $16,191 | |
| Florida Blue | myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) | Silver | HMO | $731 | $3,150 | $8,675 | $17,444 | |
| Florida Blue | myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | HMO | $731 | $6,000 | $8,900 | $17,672 | |
| Florida Blue | BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) | Expanded Bronze | POS | $732 | $0 | $9,900 | $18,678 | |
| Florida Blue | BlueOptions Bronze 24J01-06 (Rewards) | Bronze | PPO | $785 | $6,150 | $10,150 | $19,566 | |
| Florida Blue | BlueSelect Silver 1443 ($10 Labs / Rewards) | Silver | EPO | $791 | $4,000 | $8,100 | $17,596 | |
| Florida Blue | BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) | Silver | EPO | $795 | $4,000 | $8,100 | $17,638 | |
| Florida Blue | BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) | Silver | EPO | $802 | $4,000 | $8,100 | $17,721 | |
| Florida Blue | BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | EPO | $804 | $6,000 | $8,900 | $18,553 | |
| Florida Blue | BlueSelect Silver 1456 ($50 PCP Visits / Rewards) | Silver | EPO | $814 | $3,125 | $8,100 | $17,862 | |
| Florida Blue | BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) | Expanded Bronze | PPO | $814 | $7,500 | $10,000 | $19,770 | |
| Florida Blue | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) | Expanded Bronze | PPO | $821 | $6,650 | $7,400 | $17,256 | |
| Florida Blue | BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | PPO | $827 | $6,500 | $10,000 | $19,927 | |
| Florida Blue | BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) | Expanded Bronze | PPO | $864 | $0 | $9,900 | $20,269 | |
| Florida Blue | myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | HMO | $867 | $2,000 | $8,200 | $18,603 | |
| Florida Blue | myBlue Gold 1605 ($0 Labs / Rewards) | Gold | HMO | $882 | $940 | $4,500 | $15,080 | |
| Florida Blue | BlueCare Silver 24K01-02 ($10 Labs / Rewards) | Silver | POS | $882 | $4,000 | $8,100 | $18,686 | |
| Florida Blue | BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | EPO | $890 | $2,000 | $8,200 | $18,879 | |
| Florida Blue | BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | EPO | $911 | $1,500 | $6,450 | $17,382 | |
| Florida Blue | BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | POS | $912 | $6,000 | $8,900 | $19,842 | |
| Florida Blue | myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) | Gold | HMO | $913 | $0 | $6,550 | $17,506 | |
| Florida Blue | BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) | Silver | POS | $924 | $3,125 | $8,100 | $19,183 | |
| Florida Blue | BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | EPO | $935 | $0 | $6,250 | $17,470 | |
| Florida Blue | BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) | Gold | EPO | $938 | $0 | $6,250 | $17,511 | |
| Florida Blue | BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | POS | $1,008 | $2,000 | $8,200 | $20,298 | |
| Florida Blue | BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | POS | $1,033 | $1,500 | $6,450 | $18,846 | |
| Florida Blue | BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | POS | $1,069 | $0 | $6,250 | $19,081 | |
| Florida Blue | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | EPO | $1,166 | $1,000 | $4,000 | $17,988 | |
| Florida Blue | myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | HMO | $1,181 | $0 | $2,250 | $16,427 | |
| Florida Blue | BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | EPO | $1,198 | $0 | $2,525 | $16,901 | |
| Florida Blue | myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | HMO | $1,238 | $0 | $5,200 | $20,051 | |
| Florida Blue | BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | EPO | $1,249 | $0 | $5,200 | $20,182 | |
| Florida Blue | BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | POS | $1,262 | $1,000 | $4,000 | $19,140 | |
| Florida Blue | BlueOptions Silver 24J01-03 ($10 Labs / Rewards) | Silver | PPO | $1,269 | $4,000 | $8,100 | $23,322 | |
| Florida Blue | BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | POS | $1,310 | $0 | $2,525 | $18,241 | |
| Florida Blue | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | PPO | $1,333 | $2,000 | $8,200 | $24,198 | |
| Florida Blue | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | PPO | $1,355 | $6,000 | $8,900 | $25,159 | |
| Florida Blue | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | PPO | $1,365 | $1,500 | $6,450 | $22,828 | |
| Florida Blue | BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) | Silver | PPO | $1,371 | $3,125 | $8,100 | $24,548 | |
| Florida Blue | BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | POS | $1,372 | $0 | $5,200 | $21,670 | |
| Florida Blue | BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | PPO | $1,402 | $0 | $6,250 | $23,073 | |
| Florida Blue | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | PPO | $1,771 | $1,000 | $4,000 | $25,247 | |
| Florida Blue | BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | PPO | $1,822 | $0 | $2,525 | $24,384 | |
| Florida Blue | BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | PPO | $1,898 | $0 | $5,200 | $27,976 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $501 | $615 | $864 | 36 | $6,150 | $10,075 | $17,393 |
| Silver | $640 | $710 | $1,371 | 38 | $6,000 | $8,900 | $17,726 |
| Gold | $624 | $890 | $1,402 | 21 | $1,500 | $7,250 | $17,470 |
| Platinum | $1,166 | $1,262 | $1,898 | 11 | $0 | $4,000 | $20,051 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.