Health insurance prices in Collier County, FL (2026)

131 marketplace plans from 6 insurers. Cheapest plan $569/mo; typical Silver $799/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 11.

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 $569–$998 (typical $654) · Silver $729–$1,584 (typical $799) · Gold $738–$1,620 (typical $841) · Platinum $1,286–$2,193 (typical $1,490) · Catastrophic $554–$554 (typical $554)

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 planInsurerPlansCheapest planTypical BronzeTypical SilverTypical GoldCheapest plan name
Wellpoint (Elevance Health)13$587$599$768$846Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Molina Healthcare19$608$643$780$819Molina Bronze Standard
Florida BlueFlorida Blue (Blue Cross Blue Shield company)53$569$752$792$1,148myBlue Bronze 26M02-24 (Rewards)
Ambetter (Centene)19$574$591$799$790Everyday Bronze
Cigna HealthcareCigna Group10$570$579$854$755Connect Bronze Mid-South CMS Standard
UnitedHealthcareUnitedHealth Group17$651$694$905$1,003UHC Bronze Essential- ($0 Virtual Urgent Care)

All 131 plans in Collier County, cheapest first

CompareInsurerPlanMetalNetworkMonthlyDeductibleOut-of-pocket maxBad year
Wellpoint (Elevance Health)Wellpoint Essential Catastrophic (+ Incentives)CatastrophicHMO$554$10,600$10,600$17,247
Florida BluemyBlue Bronze 26M02-24 (Rewards)BronzeHMO$569$10,125$10,150$16,980
Cigna HealthcareConnect Bronze Mid-South CMS StandardExpanded BronzeEPO$570$7,500$10,000$16,844
Ambetter (Centene)Everyday BronzeExpanded BronzeHMO$574$8,450$10,150$17,041
Ambetter (Centene)Standard Expanded BronzeExpanded BronzeHMO$576$7,500$10,000$16,912
Cigna HealthcareConnect Bronze Mid-South 5500 Indiv Med DeductibleExpanded BronzeEPO$579$5,500$9,500$16,448
Cigna HealthcareConnect myDiabetesCare Bronze Mid-SouthExpanded BronzeEPO$579$6,500$9,200$16,154
Wellpoint (Elevance Health)Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$587$6,000$10,600$17,650
Ambetter (Centene)Everyday Bronze + Vision + Adult DentalExpanded BronzeHMO$590$8,450$10,150$17,228
Ambetter (Centene)Standard Expanded Bronze + Vision + Adult DentalExpanded BronzeHMO$592$7,500$10,000$17,099
Wellpoint (Elevance Health)Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$597$5,500$10,600$17,758
Wellpoint (Elevance Health)Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardExpanded BronzeHMO$602$7,500$10,000$17,220
Wellpoint (Elevance Health)Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$608$5,500$10,600$17,891
Molina HealthcareMolina Bronze StandardExpanded BronzeHMO$608$7,500$10,000$17,296
Molina HealthcareMolina Bronze Enhanced 3500Expanded BronzeHMO$623$3,500$9,950$17,425
Molina HealthcareMolina Bronze Enhanced 3500 Pluswith Adult VisionExpanded BronzeHMO$627$3,500$9,950$17,477
Cigna HealthcareConnect Bronze Mid-South 0 Indiv Med DeductibleExpanded BronzeEPO$637$0$10,600$18,249
Florida BluemyBlue Bronze 2322S ($50 PCP Visits / Rewards)Expanded BronzeHMO$642$7,500$10,000$17,710
Molina HealthcareMolina Bronze Enhanced 3500 Plus with Adult Dental and VisionExpanded BronzeHMO$643$3,500$9,950$17,661
Florida BluemyBlue Bronze 2286 ($75 PCP Visits / Rewards)Expanded BronzeHMO$644$2,350$10,150$17,874
Florida BluemyBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards)Expanded BronzeHMO$651$6,000$10,150$17,960
UnitedHealthcareUHC Bronze Essential- ($0 Virtual Urgent Care)BronzeHMO$651$10,600$10,600$18,412
UnitedHealthcareUHC Bronze Essential ($0 Virtual Urgent Care)BronzeHMO$651$10,600$10,600$18,413
Ambetter (Centene)Elite BronzeExpanded BronzeHMO$656$0$10,500$18,371
Ambetter (Centene)Elite Bronze + Vision + Adult DentalExpanded BronzeHMO$674$0$10,500$18,584
Molina HealthcareMolina Bronze Premier with $0 Medical DeductibleExpanded BronzeHMO$681$0$10,350$18,526
UnitedHealthcareUHC Bronze StandardExpanded BronzeHMO$682$7,500$10,000$18,185
Molina HealthcareMolina Bronze Premier with $0 Medical Deductible Pluswith Adult VisionExpanded BronzeHMO$686$0$10,350$18,578
Florida BluemyBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards)Expanded BronzeHMO$694$0$10,150$18,477
Florida BluemyBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards)Expanded BronzeHMO$698$0$10,150$18,530
Molina HealthcareMolina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and VisionExpanded BronzeHMO$701$0$10,350$18,761
UnitedHealthcareUHC Bronze Standard+ (Dental + Vision)Expanded BronzeHMO$706$7,500$10,000$18,473
UnitedHealthcareUHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)Expanded BronzeHMO$707$0$10,600$19,081
Florida BluemyBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)Expanded BronzeHMO$707$0$10,150$18,640
Florida BlueBlueCare Bronze 24K01-05 (Rewards)BronzePOS$712$6,150$10,150$18,693
Ambetter (Centene)Clarity SilverSilverHMO$729$8,000$8,400$17,151
Florida BluemyBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards)SilverHMO$730$9,500$10,150$18,904
UnitedHealthcareUHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)Expanded BronzeHMO$731$0$10,600$19,369
Florida BluemyBlue Silver 26M02-04V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards)SilverHMO$734$9,500$10,150$18,959
Cigna HealthcareConnect Gold Mid-South 2250 Indiv Med DeductibleGoldEPO$738$2,250$9,450$18,311
Florida BluemyBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards)SilverHMO$741$7,000$9,125$18,019
Florida BluemyBlue Silver 26M02-04E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards)SilverHMO$743$9,500$10,150$19,068
Florida BluemyBlue Silver 25M02-03V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards)SilverHMO$746$7,000$9,125$18,071
Florida BlueBlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx)Expanded BronzePOS$752$6,650$7,400$16,421
Florida BlueBlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards)Expanded BronzePOS$752$7,500$10,000$19,022
Florida BluemyBlue Silver 25M02-03E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards)SilverHMO$755$7,000$9,125$18,180
Cigna HealthcareConnect Gold Mid-South CMS StandardGoldEPO$755$2,000$8,200$17,257
Florida BluemyBlue Silver 24M02-78 ($50 PCP Visits / $20 Labs / Rewards)SilverHMO$758$6,400$9,200$18,301
Ambetter (Centene)Standard GoldGoldHMO$761$2,000$8,200$17,335
Wellpoint (Elevance Health)Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$761$3,500$10,150$19,285
Florida BluemyBlue Silver 24M02-78V ($50 PCP Visits / $20 Labs / Adult Vision / Rewards)SilverHMO$763$6,400$9,200$18,354
Wellpoint (Elevance Health)Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$764$1,850$9,100$18,272
Florida BlueBlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)Expanded BronzePOS$769$6,500$10,000$19,228
Molina HealthcareMolina Silver Saver with Four Free PCP VisitsSilverHMO$770$7,000$10,150$19,385
Florida BluemyBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards)SilverHMO$772$6,400$9,200$18,463
Wellpoint (Elevance Health)Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$772$3,500$10,150$19,420
Molina HealthcareMolina Silver CoreSilverHMO$775$6,000$8,990$18,296
Ambetter (Centene)Everyday GoldGoldHMO$778$800$7,250$16,583
Ambetter (Centene)Standard SilverSilverHMO$778$6,000$8,900$18,234
Wellpoint (Elevance Health)Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardSilverHMO$778$6,000$8,900$18,236
Molina HealthcareMolina Silver Core Pluswith Adult VisionSilverHMO$780$6,000$8,990$18,347
Ambetter (Centene)Standard Gold + Vision + Adult DentalGoldHMO$782$2,000$8,200$17,582
Ambetter (Centene)Focused SilverSilverHMO$787$6,300$8,400$17,847
Cigna HealthcareConnect Gold Mid-South 850 Indiv Med DeductibleGoldEPO$789$850$8,550$18,018
Florida BluemyBlue Silver 2010 (Rewards)SilverHMO$792$2,800$7,675$17,181
Molina HealthcareMolina Silver Core Plus with Adult Dental and VisionSilverHMO$795$6,000$8,990$18,531
Florida BluemyBlue Silver 2010V (Adult Vision / Rewards)SilverHMO$797$2,800$7,675$17,234
Ambetter (Centene)Everyday Gold + Vision + Adult DentalGoldHMO$799$800$7,250$16,835
Ambetter (Centene)Standard Silver + Vision + Adult DentalSilverHMO$799$6,000$8,900$18,487
Ambetter (Centene)Enhanced Diabetes Care Silver with $0 Drug OptionsSilverHMO$800$5,000$8,650$18,253
Molina HealthcareMolina Silver StandardSilverHMO$802$6,000$8,900$18,523
Ambetter (Centene)Complete GoldGoldHMO$804$1,450$7,500$17,145
Florida BluemyBlue Silver 2010E (Adult Dental & Vision / Rewards)SilverHMO$806$2,800$7,675$17,343
Ambetter (Centene)Focused Silver + Vision + Adult DentalSilverHMO$809$6,300$8,400$18,102
Florida BlueBlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards)Expanded BronzePOS$813$0$9,900$19,652
Molina HealthcareMolina Gold Enhanced 895GoldHMO$814$895$8,700$18,469
Florida BluemyBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards)SilverHMO$814$6,000$8,900$18,671
Molina HealthcareMolina Gold Core 1640GoldHMO$815$1,640$8,100$17,876
Molina HealthcareMolina Gold Enhanced 895 Pluswith Adult VisionGoldHMO$818$895$8,700$18,521
Molina HealthcareMolina Gold Core 1640 Pluswith Adult VisionGoldHMO$819$1,640$8,100$17,929
Ambetter (Centene)Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult DentalSilverHMO$822$5,000$8,650$18,513
Ambetter (Centene)Complete Gold + Vision + Adult DentalGoldHMO$825$1,450$7,500$17,406
Wellpoint (Elevance Health)Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$833$800$9,000$18,995
Molina HealthcareMolina Gold Enhanced 895 Plus with Adult Dental and VisionGoldHMO$834$895$8,700$18,704
Molina HealthcareMolina Gold Core 1640 Plus with Adult Dental and VisionGoldHMO$834$1,640$8,100$18,112
Wellpoint (Elevance Health)Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$841$800$9,000$19,094
Wellpoint (Elevance Health)Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardGoldHMO$850$2,000$8,200$18,401
Wellpoint (Elevance Health)Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$851$1,400$5,000$15,215
Molina HealthcareMolina Gold StandardGoldHMO$852$2,000$8,200$18,427
Cigna HealthcareConnect Silver Mid-South 4500 Indiv Med DeductibleSilverEPO$853$4,500$9,350$19,582
Cigna HealthcareConnect Silver Mid-South 3800 Indiv Med DeductibleSilverEPO$854$3,800$9,500$19,749
Cigna HealthcareConnect Silver Mid-South CMS StandardSilverEPO$861$6,000$8,900$19,231
UnitedHealthcareUHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)SilverHMO$862$4,500$9,900$20,239
UnitedHealthcareUHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)SilverHMO$886$4,500$9,900$20,527
UnitedHealthcareUHC Silver Standard-SilverHMO$905$6,000$8,900$19,760
UnitedHealthcareUHC Silver StandardSilverHMO$905$6,000$8,900$19,761
Florida BlueBlueOptions Bronze 24J01-06 (Rewards)BronzePPO$907$6,150$10,150$21,029
UnitedHealthcareUHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)SilverHMO$917$2,700$10,350$21,356
UnitedHealthcareUHC Silver Standard+ (Dental + Vision)SilverHMO$929$6,000$8,900$20,050
Florida BluemyBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards)GoldHMO$932$2,000$8,200$19,387
Florida BlueBlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)Expanded BronzePPO$941$7,500$10,000$21,287
UnitedHealthcareUHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)SilverHMO$941$2,700$10,350$21,644
Florida BluemyBlue Gold 2011 ($0 Labs / Rewards)GoldHMO$948$940$4,500$15,877
Florida BlueBlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)Expanded BronzePPO$949$6,650$7,400$18,787
Florida BlueBlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)Expanded BronzePPO$956$6,500$10,000$21,469
Florida BlueBlueCare Silver 24K01-02 ($10 Labs / Rewards)SilverPOS$980$4,000$8,100$19,860
UnitedHealthcareUHC Gold StandardGoldHMO$985$2,000$8,200$20,020
Florida BluemyBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards)GoldHMO$990$0$6,550$18,426
UnitedHealthcareUHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)GoldHMO$993$0$10,600$22,522
Florida BlueBlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)Expanded BronzePPO$998$0$9,900$21,880
UnitedHealthcareUHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)GoldHMO$1,012$500$9,000$21,139
Florida BlueBlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards)SilverPOS$1,013$6,000$8,900$21,056
Florida BlueBlueCare Silver 24K01-06 ($50 PCP Visits / Rewards)SilverPOS$1,026$3,125$8,100$20,412
UnitedHealthcareUHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)GoldHMO$1,036$500$9,000$21,427
Florida BlueBlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards)GoldPOS$1,120$2,000$8,200$21,640
Florida BlueBlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)GoldPOS$1,148$1,500$6,450$20,221
Florida BlueBlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)GoldPOS$1,188$0$6,250$20,504
Florida BluemyBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)PlatinumHMO$1,286$0$2,250$17,686
Florida BluemyBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)PlatinumHMO$1,348$0$5,200$21,371
Florida BlueBlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)PlatinumPOS$1,402$1,000$4,000$20,819
Florida BlueBlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)PlatinumPOS$1,455$0$2,525$19,984
Florida BlueBlueOptions Silver 24J01-03 ($10 Labs / Rewards)SilverPPO$1,466$4,000$8,100$25,687
Florida BlueBlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)PlatinumPOS$1,525$0$5,200$23,497
Florida BlueBlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)GoldPPO$1,540$2,000$8,200$26,683
Florida BlueBlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)SilverPPO$1,565$6,000$8,900$27,685
Florida BlueBlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)GoldPPO$1,577$1,500$6,450$25,372
Florida BlueBlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)SilverPPO$1,584$3,125$8,100$27,103
Florida BlueBlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)GoldPPO$1,620$0$6,250$25,687
Florida BlueBlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)PlatinumPPO$2,046$1,000$4,000$28,547
Florida BlueBlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)PlatinumPPO$2,105$0$2,525$27,779
Florida BlueBlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)PlatinumPPO$2,193$0$5,200$31,515
Deductibles and a bad year, by metal level
MetalLowestTypical*HighestPlansTypical deductibleTypical out-of-pocket maxTypical bad year**
Bronze$569$654$99844$6,075$10,150$18,310
Silver$729$799$1,58445$6,000$8,900$18,671
Gold$738$841$1,62033$1,450$8,200$18,427
Platinum$1,286$1,490$2,1938$0$4,000$22,434
CatastrophicUnder 30 or hardship exemption only$554$554$5541$10,600$10,600$17,247

* 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.

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