Health insurance prices in Highlands County, FL (2026)
94 marketplace plans from 3 insurers. Cheapest plan $496/mo; typical Silver $809/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 27.
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 $496–$1,019 (typical $733) · Silver $630–$1,617 (typical $809) · Gold $657–$1,653 (typical $1,062) · Platinum $1,322–$2,239 (typical $1,443)
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 |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 19 | $496 | $510 | $690 | $682 | Everyday Bronze | |
| Florida BlueFlorida Blue (Blue Cross Blue Shield company) | 58 | $584 | $733 | $809 | $1,089 | myBlue Bronze 26M01-23 (Rewards) | |
| UnitedHealthcareUnitedHealth Group | 17 | $836 | $892 | $1,163 | $1,288 | UHC Bronze Essential- ($0 Virtual Urgent Care) |
All 94 plans in Highlands County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $496 | $8,450 | $10,150 | $16,101 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $497 | $7,500 | $10,000 | $15,969 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $509 | $8,450 | $10,150 | $16,261 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $511 | $7,500 | $10,000 | $16,130 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $566 | $0 | $10,500 | $17,297 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $582 | $0 | $10,500 | $17,481 | |
| Florida Blue | myBlue Bronze 26M01-23 (Rewards) | Bronze | HMO | $584 | $10,125 | $10,150 | $17,161 | |
| Ambetter (Centene) | Clarity Silver | Silver | HMO | $630 | $8,000 | $8,400 | $15,957 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $657 | $2,000 | $8,200 | $16,088 | |
| Florida Blue | myBlue Bronze 2219 ($75 PCP Visits / Rewards) | Expanded Bronze | HMO | $666 | $2,625 | $10,150 | $18,137 | |
| Florida Blue | myBlue Bronze 2312S ($50 PCP Visits / Rewards) | Expanded Bronze | HMO | $667 | $7,500 | $10,000 | $17,999 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $672 | $800 | $7,250 | $15,309 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $672 | $6,000 | $8,900 | $16,960 | |
| Florida Blue | myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) | Expanded Bronze | HMO | $674 | $6,000 | $10,150 | $18,238 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $675 | $2,000 | $8,200 | $16,301 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $680 | $6,300 | $8,400 | $16,557 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $690 | $800 | $7,250 | $15,527 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $690 | $6,000 | $8,900 | $17,178 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | HMO | $691 | $5,000 | $8,650 | $16,942 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $694 | $1,450 | $7,500 | $15,828 | |
| Florida Blue | BlueSelect Bronze 24L01-01 (Rewards) | Bronze | EPO | $696 | $6,150 | $10,150 | $18,506 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $698 | $6,300 | $8,400 | $16,778 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | HMO | $710 | $5,000 | $8,650 | $17,167 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $713 | $1,450 | $7,500 | $16,053 | |
| Florida Blue | myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) | Expanded Bronze | HMO | $720 | $0 | $10,150 | $18,787 | |
| Florida Blue | BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) | Expanded Bronze | EPO | $723 | $7,500 | $10,000 | $18,671 | |
| Florida Blue | myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) | Expanded Bronze | HMO | $724 | $0 | $10,150 | $18,841 | |
| Florida Blue | BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) | Expanded Bronze | EPO | $729 | $6,650 | $7,400 | $16,145 | |
| Florida Blue | myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | HMO | $733 | $0 | $10,150 | $18,950 | |
| Florida Blue | BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | EPO | $734 | $6,500 | $10,000 | $18,807 | |
| Florida Blue | BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) | Expanded Bronze | EPO | $765 | $0 | $9,900 | $19,085 | |
| Florida Blue | myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) | Silver | HMO | $766 | $9,500 | $10,150 | $19,346 | |
| Florida Blue | BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) | Expanded Bronze | EPO | $769 | $0 | $9,900 | $19,133 | |
| Florida Blue | myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) | Silver | HMO | $771 | $9,500 | $10,150 | $19,401 | |
| Florida Blue | BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | EPO | $778 | $0 | $9,900 | $19,231 | |
| Florida Blue | myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) | Silver | HMO | $778 | $7,000 | $9,150 | $18,488 | |
| Florida Blue | myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) | Silver | HMO | $780 | $9,500 | $10,150 | $19,511 | |
| Florida Blue | myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) | Silver | HMO | $783 | $7,000 | $9,150 | $18,541 | |
| Florida Blue | myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) | Silver | HMO | $792 | $7,000 | $9,150 | $18,652 | |
| Florida Blue | myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) | Silver | HMO | $795 | $6,500 | $9,200 | $18,744 | |
| Florida Blue | myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) | Silver | HMO | $800 | $6,500 | $9,200 | $18,797 | |
| Florida Blue | myBlue Silver 2237 ($60 PCP Visits / Rewards) | Silver | HMO | $804 | $3,150 | $8,675 | $18,321 | |
| Florida Blue | myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) | Silver | HMO | $808 | $3,150 | $8,675 | $18,374 | |
| Florida Blue | myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) | Silver | HMO | $809 | $6,500 | $9,200 | $18,907 | |
| Florida Blue | myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) | Silver | HMO | $817 | $3,150 | $8,675 | $18,484 | |
| Florida Blue | myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | HMO | $818 | $6,000 | $8,900 | $18,713 | |
| UnitedHealthcare | UHC Bronze Essential- ($0 Virtual Urgent Care) | Bronze | HMO | $836 | $10,600 | $10,600 | $20,636 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $836 | $10,600 | $10,600 | $20,637 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $876 | $7,500 | $10,000 | $20,516 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $907 | $7,500 | $10,000 | $20,886 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $908 | $0 | $10,600 | $21,495 | |
| Florida Blue | BlueOptions Bronze 24J01-06 (Rewards) | Bronze | PPO | $925 | $6,150 | $10,150 | $21,255 | |
| Florida Blue | BlueSelect Silver 1443 ($10 Labs / Rewards) | Silver | EPO | $933 | $4,000 | $8,100 | $19,299 | |
| Florida Blue | BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) | Silver | EPO | $937 | $4,000 | $8,100 | $19,348 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Expanded Bronze | HMO | $939 | $0 | $10,600 | $21,865 | |
| Florida Blue | BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) | Silver | EPO | $946 | $4,000 | $8,100 | $19,447 | |
| Florida Blue | BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | EPO | $949 | $6,000 | $8,900 | $20,285 | |
| Florida Blue | BlueSelect Silver 1456 ($50 PCP Visits / Rewards) | Silver | EPO | $959 | $3,125 | $8,100 | $19,613 | |
| Florida Blue | BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) | Expanded Bronze | PPO | $960 | $7,500 | $10,000 | $21,522 | |
| Florida Blue | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) | Expanded Bronze | PPO | $969 | $6,650 | $7,400 | $19,024 | |
| Florida Blue | myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | HMO | $970 | $2,000 | $8,200 | $19,838 | |
| Florida Blue | BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | PPO | $976 | $6,500 | $10,000 | $21,708 | |
| Florida Blue | myBlue Gold 1605 ($0 Labs / Rewards) | Gold | HMO | $986 | $940 | $4,500 | $16,336 | |
| Florida Blue | BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) | Expanded Bronze | PPO | $1,019 | $0 | $9,900 | $22,129 | |
| Florida Blue | myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) | Gold | HMO | $1,021 | $0 | $6,550 | $18,806 | |
| Florida Blue | BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | EPO | $1,050 | $2,000 | $8,200 | $20,794 | |
| Florida Blue | BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | EPO | $1,074 | $1,500 | $6,450 | $19,343 | |
| Florida Blue | BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | EPO | $1,103 | $0 | $6,250 | $19,483 | |
| Florida Blue | BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) | Gold | EPO | $1,107 | $0 | $6,250 | $19,531 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $1,107 | $4,500 | $9,900 | $23,182 | |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $1,138 | $4,500 | $9,900 | $23,553 | |
| UnitedHealthcare | UHC Silver Standard- | Silver | HMO | $1,163 | $6,000 | $8,900 | $22,852 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $1,163 | $6,000 | $8,900 | $22,854 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | HMO | $1,178 | $2,700 | $10,350 | $24,489 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision) | Silver | HMO | $1,194 | $6,000 | $8,900 | $23,224 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | HMO | $1,209 | $2,700 | $10,350 | $24,859 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $1,265 | $2,000 | $8,200 | $23,385 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | HMO | $1,276 | $0 | $10,600 | $25,916 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) | Gold | HMO | $1,300 | $500 | $9,000 | $24,595 | |
| Florida Blue | myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | HMO | $1,322 | $0 | $2,250 | $18,109 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) | Gold | HMO | $1,330 | $500 | $9,000 | $24,965 | |
| Florida Blue | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | EPO | $1,375 | $1,000 | $4,000 | $20,498 | |
| Florida Blue | myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | HMO | $1,384 | $0 | $5,200 | $21,813 | |
| Florida Blue | BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | EPO | $1,413 | $0 | $2,525 | $19,480 | |
| Florida Blue | BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | EPO | $1,473 | $0 | $5,200 | $22,870 | |
| Florida Blue | BlueOptions Silver 24J01-03 ($10 Labs / Rewards) | Silver | PPO | $1,496 | $4,000 | $8,100 | $26,053 | |
| Florida Blue | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | PPO | $1,572 | $2,000 | $8,200 | $27,068 | |
| Florida Blue | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | PPO | $1,598 | $6,000 | $8,900 | $28,076 | |
| Florida Blue | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | PPO | $1,610 | $1,500 | $6,450 | $25,766 | |
| Florida Blue | BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) | Silver | PPO | $1,617 | $3,125 | $8,100 | $27,498 | |
| Florida Blue | BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | PPO | $1,653 | $0 | $6,250 | $26,091 | |
| Florida Blue | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | PPO | $2,088 | $1,000 | $4,000 | $29,058 | |
| Florida Blue | BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | PPO | $2,148 | $0 | $2,525 | $28,305 | |
| Florida Blue | BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | PPO | $2,239 | $0 | $5,200 | $32,062 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $496 | $733 | $1,019 | 31 | $6,500 | $10,150 | $18,841 |
| Silver | $630 | $809 | $1,617 | 35 | $6,000 | $8,900 | $19,299 |
| Gold | $657 | $1,062 | $1,653 | 20 | $1,195 | $7,500 | $19,507 |
| Platinum | $1,322 | $1,443 | $2,239 | 8 | $0 | $4,000 | $22,342 |
* 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.