Health insurance prices in DeSoto County, FL (2026)

115 marketplace plans from 5 insurers. Cheapest plan $526/mo; typical Silver $890/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 13.

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 $526–$1,012 (typical $693) · Silver $668–$1,606 (typical $890) · Gold $697–$1,643 (typical $836) · Platinum $1,366–$2,224 (typical $1,537) · Catastrophic $545–$545 (typical $545)

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
Molina Healthcare19$565$597$724$761Molina Bronze Standard
Ambetter (Centene)19$526$541$732$724Everyday Bronze
Wellpoint (Elevance Health)13$578$590$756$832Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
UnitedHealthcareUnitedHealth Group17$663$707$922$1,022UHC Bronze Essential- ($0 Virtual Urgent Care)
Florida BlueFlorida Blue (Blue Cross Blue Shield company)47$692$794$1,035$1,198BlueSelect Bronze 24L01-01 (Rewards)

All 115 plans in DeSoto County, cheapest first

CompareInsurerPlanMetalNetworkMonthlyDeductibleOut-of-pocket maxBad year
Ambetter (Centene)Everyday BronzeExpanded BronzeHMO$526$8,450$10,150$16,461
Ambetter (Centene)Standard Expanded BronzeExpanded BronzeHMO$527$7,500$10,000$16,330
Ambetter (Centene)Everyday Bronze + Vision + Adult DentalExpanded BronzeHMO$540$8,450$10,150$16,631
Ambetter (Centene)Standard Expanded Bronze + Vision + Adult DentalExpanded BronzeHMO$542$7,500$10,000$16,501
Wellpoint (Elevance Health)Wellpoint Essential Catastrophic (+ Incentives)CatastrophicHMO$545$10,600$10,600$17,141
Molina HealthcareMolina Bronze StandardExpanded BronzeHMO$565$7,500$10,000$16,778
Wellpoint (Elevance Health)Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$578$6,000$10,600$17,537
Molina HealthcareMolina Bronze Enhanced 3500Expanded BronzeHMO$579$3,500$9,950$16,894
Molina HealthcareMolina Bronze Enhanced 3500 Pluswith Adult VisionExpanded BronzeHMO$583$3,500$9,950$16,943
Wellpoint (Elevance Health)Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$587$5,500$10,600$17,644
Wellpoint (Elevance Health)Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardExpanded BronzeHMO$592$7,500$10,000$17,105
Molina HealthcareMolina Bronze Enhanced 3500 Plus with Adult Dental and VisionExpanded BronzeHMO$597$3,500$9,950$17,113
Wellpoint (Elevance Health)Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded BronzeHMO$598$5,500$10,600$17,774
Ambetter (Centene)Elite BronzeExpanded BronzeHMO$601$0$10,500$17,708
Ambetter (Centene)Elite Bronze + Vision + Adult DentalExpanded BronzeHMO$617$0$10,500$17,903
Molina HealthcareMolina Bronze Premier with $0 Medical DeductibleExpanded BronzeHMO$633$0$10,350$17,945
Molina HealthcareMolina Bronze Premier with $0 Medical Deductible Pluswith Adult VisionExpanded BronzeHMO$637$0$10,350$17,994
Molina HealthcareMolina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and VisionExpanded BronzeHMO$651$0$10,350$18,164
UnitedHealthcareUHC Bronze Essential- ($0 Virtual Urgent Care)BronzeHMO$663$10,600$10,600$18,560
UnitedHealthcareUHC Bronze Essential ($0 Virtual Urgent Care)BronzeHMO$663$10,600$10,600$18,561
Ambetter (Centene)Clarity SilverSilverHMO$668$8,000$8,400$16,414
Florida BlueBlueSelect Bronze 24L01-01 (Rewards)BronzeEPO$692$6,150$10,150$18,451
UnitedHealthcareUHC Bronze StandardExpanded BronzeHMO$695$7,500$10,000$18,341
Ambetter (Centene)Standard GoldGoldHMO$697$2,000$8,200$16,565
Ambetter (Centene)Everyday GoldGoldHMO$712$800$7,250$15,796
Ambetter (Centene)Standard SilverSilverHMO$712$6,000$8,900$17,448
Molina HealthcareMolina Silver Saver with Four Free PCP VisitsSilverHMO$715$7,000$10,150$18,729
Ambetter (Centene)Standard Gold + Vision + Adult DentalGoldHMO$716$2,000$8,200$16,792
Florida BlueBlueSelect Bronze 2342S ($50 PCP Visits / Rewards)Expanded BronzeEPO$718$7,500$10,000$18,615
UnitedHealthcareUHC Bronze Standard+ (Dental + Vision)Expanded BronzeHMO$720$7,500$10,000$18,635
UnitedHealthcareUHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)Expanded BronzeHMO$720$0$10,600$19,242
Molina HealthcareMolina Silver CoreSilverHMO$720$6,000$8,990$17,635
Ambetter (Centene)Focused SilverSilverHMO$721$6,300$8,400$17,051
Florida BlueBlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)Expanded BronzeEPO$724$6,650$7,400$16,089
Molina HealthcareMolina Silver Core Pluswith Adult VisionSilverHMO$724$6,000$8,990$17,683
Florida BlueBlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)Expanded BronzeEPO$729$6,500$10,000$18,750
Ambetter (Centene)Everyday Gold + Vision + Adult DentalGoldHMO$731$800$7,250$16,028
Ambetter (Centene)Standard Silver + Vision + Adult DentalSilverHMO$732$6,000$8,900$17,679
Ambetter (Centene)Enhanced Diabetes Care Silver with $0 Drug OptionsSilverHMO$733$5,000$8,650$17,444
Ambetter (Centene)Complete GoldGoldHMO$736$1,450$7,500$16,332
Molina HealthcareMolina Silver Core Plus with Adult Dental and VisionSilverHMO$739$6,000$8,990$17,853
Ambetter (Centene)Focused Silver + Vision + Adult DentalSilverHMO$740$6,300$8,400$17,285
UnitedHealthcareUHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)Expanded BronzeHMO$745$0$10,600$19,536
Molina HealthcareMolina Silver StandardSilverHMO$745$6,000$8,900$17,839
Wellpoint (Elevance Health)Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$749$3,500$10,150$19,140
Florida BlueBlueCare Bronze 24K01-05 (Rewards)BronzePOS$752$6,150$10,150$19,175
Wellpoint (Elevance Health)Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$752$1,850$9,100$18,126
Ambetter (Centene)Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult DentalSilverHMO$753$5,000$8,650$17,682
Ambetter (Centene)Complete Gold + Vision + Adult DentalGoldHMO$756$1,450$7,500$16,571
Molina HealthcareMolina Gold Enhanced 895GoldHMO$756$895$8,700$17,775
Molina HealthcareMolina Gold Core 1640GoldHMO$757$1,640$8,100$17,182
Wellpoint (Elevance Health)Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)SilverHMO$760$3,500$10,150$19,272
Molina HealthcareMolina Gold Enhanced 895 Pluswith Adult VisionGoldHMO$760$895$8,700$17,824
Florida BlueBlueSelect Bronze 2139 ($50 PCP Visits / Rewards)Expanded BronzeEPO$760$0$9,900$19,025
Molina HealthcareMolina Gold Core 1640 Pluswith Adult VisionGoldHMO$761$1,640$8,100$17,231
Florida BlueBlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards)Expanded BronzeEPO$764$0$9,900$19,073
Wellpoint (Elevance Health)Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardSilverHMO$766$6,000$8,900$18,087
Florida BlueBlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards)Expanded BronzeEPO$772$0$9,900$19,170
Molina HealthcareMolina Gold Enhanced 895 Plus with Adult Dental and VisionGoldHMO$774$895$8,700$17,994
Molina HealthcareMolina Gold Core 1640 Plus with Adult Dental and VisionGoldHMO$775$1,640$8,100$17,401
Molina HealthcareMolina Gold StandardGoldHMO$792$2,000$8,200$17,701
Florida BlueBlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx)Expanded BronzePOS$794$6,650$7,400$16,930
Florida BlueBlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards)Expanded BronzePOS$794$7,500$10,000$19,531
Florida BlueBlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)Expanded BronzePOS$812$6,500$10,000$19,748
Wellpoint (Elevance Health)Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$820$800$9,000$18,836
Wellpoint (Elevance Health)Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$828$800$9,000$18,933
Wellpoint (Elevance Health)Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardGoldHMO$836$2,000$8,200$18,238
Wellpoint (Elevance Health)Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)GoldHMO$838$1,400$5,000$15,052
Florida BlueBlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards)Expanded BronzePOS$859$0$9,900$20,202
UnitedHealthcareUHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)SilverHMO$878$4,500$9,900$20,436
UnitedHealthcareUHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)SilverHMO$902$4,500$9,900$20,729
Florida BlueBlueOptions Bronze 24J01-06 (Rewards)BronzePPO$919$6,150$10,150$21,183
UnitedHealthcareUHC Silver Standard-SilverHMO$922$6,000$8,900$19,967
UnitedHealthcareUHC Silver StandardSilverHMO$922$6,000$8,900$19,968
Florida BlueBlueSelect Silver 1443 ($10 Labs / Rewards)SilverEPO$927$4,000$8,100$19,226
Florida BlueBlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards)SilverEPO$931$4,000$8,100$19,275
UnitedHealthcareUHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)SilverHMO$935$2,700$10,350$21,565
Florida BlueBlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards)SilverEPO$939$4,000$8,100$19,373
Florida BlueBlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards)SilverEPO$943$6,000$8,900$20,211
UnitedHealthcareUHC Silver Standard+ (Dental + Vision)SilverHMO$947$6,000$8,900$20,262
Florida BlueBlueSelect Silver 1456 ($50 PCP Visits / Rewards)SilverEPO$953$3,125$8,100$19,539
Florida BlueBlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)Expanded BronzePPO$954$7,500$10,000$21,447
UnitedHealthcareUHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)SilverHMO$959$2,700$10,350$21,859
Florida BlueBlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)Expanded BronzePPO$962$6,650$7,400$18,949
Florida BlueBlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)Expanded BronzePPO$969$6,500$10,000$21,632
UnitedHealthcareUHC Gold StandardGoldHMO$1,004$2,000$8,200$20,245
UnitedHealthcareUHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)GoldHMO$1,012$0$10,600$22,749
Florida BlueBlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)Expanded BronzePPO$1,012$0$9,900$22,050
UnitedHealthcareUHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)GoldHMO$1,031$500$9,000$21,370
Florida BlueBlueCare Silver 24K01-02 ($10 Labs / Rewards)SilverPOS$1,035$4,000$8,100$20,523
Florida BlueBlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards)GoldEPO$1,043$2,000$8,200$20,713
UnitedHealthcareUHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)GoldHMO$1,055$500$9,000$21,663
Florida BlueBlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)GoldEPO$1,067$1,500$6,450$19,259
Florida BlueBlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards)SilverPOS$1,070$6,000$8,900$21,742
Florida BlueBlueCare Silver 24K01-06 ($50 PCP Visits / Rewards)SilverPOS$1,084$3,125$8,100$21,107
Florida BlueBlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)GoldEPO$1,096$0$6,250$19,396
Florida BlueBlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards)GoldEPO$1,100$0$6,250$19,445
Florida BlueBlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards)GoldPOS$1,183$2,000$8,200$22,398
Florida BlueBlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)GoldPOS$1,212$1,500$6,450$20,998
Florida BlueBlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)GoldPOS$1,255$0$6,250$21,308
Florida BlueBlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)PlatinumEPO$1,366$1,000$4,000$20,390
Florida BlueBlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)PlatinumEPO$1,404$0$2,525$19,370
Florida BlueBlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)PlatinumEPO$1,463$0$5,200$22,755
Florida BlueBlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)PlatinumPOS$1,481$1,000$4,000$21,768
Florida BlueBlueOptions Silver 24J01-03 ($10 Labs / Rewards)SilverPPO$1,486$4,000$8,100$25,936
Florida BlueBlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)PlatinumPOS$1,537$0$2,525$20,969
Florida BlueBlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)GoldPPO$1,562$2,000$8,200$26,945
Florida BlueBlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)SilverPPO$1,588$6,000$8,900$27,951
Florida BlueBlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)GoldPPO$1,599$1,500$6,450$25,641
Florida BlueBlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)SilverPPO$1,606$3,125$8,100$27,372
Florida BlueBlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)PlatinumPOS$1,611$0$5,200$24,528
Florida BlueBlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)GoldPPO$1,643$0$6,250$25,962
Florida BlueBlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)PlatinumPPO$2,075$1,000$4,000$28,895
Florida BlueBlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)PlatinumPPO$2,134$0$2,525$28,137
Florida BlueBlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)PlatinumPPO$2,224$0$5,200$31,888
Deductibles and a bad year, by metal level
MetalLowestTypical*HighestPlansTypical deductibleTypical out-of-pocket maxTypical bad year**
Bronze$526$693$1,01240$6,150$10,000$18,396
Silver$668$890$1,60634$5,500$8,900$19,274
Gold$697$836$1,64331$1,450$8,200$18,836
Platinum$1,366$1,537$2,2249$0$4,000$22,755
CatastrophicUnder 30 or hardship exemption only$545$545$5451$10,600$10,600$17,141

* 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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