Health insurance prices in Miami-Dade County, FL (2026)

189 marketplace plans from 9 insurers. Cheapest plan $502/mo; typical Silver $755/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 43.

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 $502–$1,230 (typical $640) · Silver $682–$1,951 (typical $755) · Gold $624–$1,995 (typical $865) · Platinum $1,659–$2,701 (typical $1,829) · Catastrophic $531–$531 (typical $531)

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.

Insurer	Plans	Cheapest plan	Typical Bronze	Typical Silver	Typical Gold	Cheapest plan name
Oscar Health	15	$502	$535	$691	$640	Bronze Simple Breathe Easy with Enhanced COPD Benefits
AmeriHealth Caritas Next	8	$534	$537	$721	$793	AmeriHealth Caritas Next Bronze Essential + No Referrals
Molina Healthcare	21	$567	$600	$728	$764	Molina Bronze Standard
Wellpoint (Elevance Health)	13	$563	$574	$736	$810	Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Florida BlueFlorida Blue (Blue Cross Blue Shield company)	65	$527	$886	$738	$1,336	myBlue Bronze 26M01-23 (Rewards)
UnitedHealthcareUnitedHealth Group	17	$567	$604	$788	$873	UHC Bronze Essential- ($0 Virtual Urgent Care)
Ambetter (Centene)	26	$580	$644	$853	$850	Standard Expanded Bronze VALUE
AvMed	11	$677	$687	$866	$942	AvMed Entrust Expanded Bronze Standard (2026)
Cigna HealthcareCigna Group	13	$660	$662	$993	$869	Connect Bronze South FL CMS Standard

All 189 plans in Miami-Dade County, cheapest first

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	$502	$9,000	$10,600	$16,620
Florida Blue	myBlue Bronze 26M01-23 (Rewards)	Bronze	HMO	$527	$10,125	$10,150	$16,479
Oscar Health	Bronze Classic Standard	Expanded Bronze	HMO	$529	$7,500	$10,000	$16,349
Wellpoint (Elevance Health)	Wellpoint Essential Catastrophic (+ Incentives)	Catastrophic	HMO	$531	$10,600	$10,600	$16,971
Oscar Health	Bronze Classic 4700	Expanded Bronze	HMO	$533	$4,700	$10,150	$16,551
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Essential + No Referrals	Bronze	HMO	$534	$10,600	$10,600	$17,012
Oscar Health	Bronze Simple Diabetes	Expanded Bronze	HMO	$536	$5,500	$10,150	$16,578
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Signature + No Referrals	Expanded Bronze	HMO	$537	$7,500	$10,000	$16,447
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Premier + No Referrals	Expanded Bronze	HMO	$537	$3,850	$10,600	$17,047
Oscar Health	Bronze Simple Chronic Care CKM	Expanded Bronze	HMO	$542	$5,500	$10,150	$16,656
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$563	$6,000	$10,600	$17,357
UnitedHealthcare	UHC Bronze Essential- ($0 Virtual Urgent Care)	Bronze	HMO	$567	$10,600	$10,600	$17,402
UnitedHealthcare	UHC Bronze Essential ($0 Virtual Urgent Care)	Bronze	HMO	$567	$10,600	$10,600	$17,402
Molina Healthcare	Molina Bronze Standard	Expanded Bronze	HMO	$567	$7,500	$10,000	$16,809
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$572	$5,500	$10,600	$17,461
Oscar Health	Bronze Elite + PCP Saver Plus	Expanded Bronze	HMO	$575	$0	$10,600	$17,504
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Expanded Bronze	HMO	$577	$7,500	$10,000	$16,920
Ambetter (Centene)	Standard Expanded Bronze VALUE	Expanded Bronze	HMO	$580	$7,500	$10,000	$16,962
Molina Healthcare	Molina Bronze Enhanced 3500	Expanded Bronze	HMO	$581	$3,500	$9,950	$16,927
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$582	$5,500	$10,600	$17,588
Molina Healthcare	Molina Bronze Enhanced 3500 Pluswith Adult Vision	Expanded Bronze	HMO	$585	$3,500	$9,950	$16,975
UnitedHealthcare	UHC Bronze Standard	Expanded Bronze	HMO	$594	$7,500	$10,000	$17,127
Molina Healthcare	Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision	Expanded Bronze	HMO	$600	$3,500	$9,950	$17,147
Florida Blue	myBlue Bronze 2219 ($75 PCP Visits / Rewards)	Expanded Bronze	HMO	$601	$2,625	$10,150	$17,360
Florida Blue	myBlue Bronze 2312S ($50 PCP Visits / Rewards)	Expanded Bronze	HMO	$602	$7,500	$10,000	$17,221
Florida Blue	myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards)	Expanded Bronze	HMO	$608	$6,000	$10,150	$17,451
UnitedHealthcare	UHC Bronze Standard+ (Dental + Vision)	Expanded Bronze	HMO	$615	$7,500	$10,000	$17,378
UnitedHealthcare	UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)	Expanded Bronze	HMO	$615	$0	$10,600	$17,984
Oscar Health	Gold Simple	Gold	HMO	$624	$3,000	$9,950	$17,439
Ambetter (Centene)	Everyday Bronze	Expanded Bronze	HMO	$626	$8,450	$10,150	$17,665
Ambetter (Centene)	Standard Expanded Bronze	Expanded Bronze	HMO	$628	$7,500	$10,000	$17,538
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible	Expanded Bronze	HMO	$636	$0	$10,350	$17,980
UnitedHealthcare	UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)	Expanded Bronze	HMO	$636	$0	$10,600	$18,235
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision	Expanded Bronze	HMO	$640	$0	$10,350	$18,029
Ambetter (Centene)	Everyday Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$643	$8,450	$10,150	$17,868
Ambetter (Centene)	Standard Expanded Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$645	$7,500	$10,000	$17,742
Florida Blue	myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards)	Expanded Bronze	HMO	$650	$0	$10,150	$17,947
Florida Blue	myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards)	Expanded Bronze	HMO	$654	$0	$10,150	$17,995
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision	Expanded Bronze	HMO	$654	$0	$10,350	$18,200
Oscar Health	Gold Classic Standard	Gold	HMO	$656	$2,000	$8,200	$16,067
Cigna Healthcare	Connect Bronze South FL CMS Standard	Expanded Bronze	EPO	$660	$7,500	$10,000	$17,917
Ambetter (Centene)	Elite VALUE Bronze	Expanded Bronze	HMO	$661	$0	$10,500	$18,428
Cigna Healthcare	Connect Bronze South FL 7000 Indiv Med Deductible	Expanded Bronze	EPO	$662	$7,000	$9,800	$17,738
Florida Blue	myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)	Expanded Bronze	HMO	$662	$0	$10,150	$18,094
Cigna Healthcare	Connect Bronze South FL 3800 Indiv Med Deductible	Expanded Bronze	EPO	$668	$3,800	$9,750	$17,771
AvMed	AvMed Entrust Expanded Bronze Standard (2026)	Expanded Bronze	HMO	$677	$7,500	$10,000	$18,126
Florida Blue	myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards)	Silver	HMO	$682	$9,500	$10,025	$18,209
Oscar Health	Silver Simple PCP Saver	Silver	HMO	$684	$5,000	$9,250	$17,462
Florida Blue	myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards)	Silver	HMO	$686	$9,500	$10,025	$18,259
AvMed	AvMed Entrust Bronze 650 (2026)	Expanded Bronze	HMO	$687	$10,150	$10,150	$18,392
Oscar Health	Silver Classic Standard	Silver	HMO	$690	$6,000	$8,900	$17,186
Oscar Health	Silver Simple Breathe Easy with Enhanced COPD Benefits	Silver	HMO	$691	$6,200	$9,600	$17,887
Oscar Health	Silver Simple Diabetes	Silver	HMO	$691	$6,500	$10,000	$18,290
Oscar Health	Silver Simple Women's Health with Menopause Benefits	Silver	HMO	$692	$6,000	$10,150	$18,449
Oscar Health	Silver Simple Chronic Care CKM	Silver	HMO	$692	$5,900	$10,150	$18,457
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Essential + No Referrals	Silver	HMO	$693	$6,100	$9,000	$17,317
Florida Blue	myBlue Silver 26M03-02E ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Dental & Vision / Rewards)	Silver	HMO	$694	$9,500	$10,025	$18,358
Florida Blue	myBlue Silver 25M03-01 ($0 Primary Care Visits with Select Providers / Rewards)	Silver	HMO	$695	$8,250	$8,650	$16,987
AvMed	AvMed Entrust Bronze 600 (2026)	Expanded Bronze	HMO	$697	$6,500	$9,500	$17,867
Florida Blue	myBlue Silver 25M03-01V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards)	Silver	HMO	$699	$8,250	$8,650	$17,035
Oscar Health	Silver Elite	Silver	HMO	$700	$5,000	$9,750	$18,147
Florida Blue	myBlue Connected Care Silver 24M03-70 ($0 Primary Care Visits with Select Providers / Rewards)	Silver	HMO	$702	$6,375	$8,825	$17,253
Florida Blue	myBlue Silver 24M03-70V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards)	Silver	HMO	$706	$6,375	$8,825	$17,301
Florida Blue	myBlue Silver 25M03-01E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards)	Silver	HMO	$707	$8,250	$8,650	$17,134
Florida Blue	myBlue Silver 24M03-70E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards)	Silver	HMO	$715	$6,375	$8,825	$17,401
Ambetter (Centene)	Elite Bronze	Expanded Bronze	HMO	$715	$0	$10,500	$19,084
Molina Healthcare	Molina Silver Access	Silver	HMO	$720	$5,750	$9,050	$17,690
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Signature + No Referrals	Silver	HMO	$721	$6,000	$8,900	$17,548
Molina Healthcare	Molina Silver Core	Silver	HMO	$724	$6,000	$8,990	$17,675
Molina Healthcare	Molina Silver Access Pluswith Adult Vision	Silver	HMO	$724	$5,750	$9,050	$17,739
Florida Blue	myBlue Silver 2237 ($60 PCP Visits / Rewards)	Silver	HMO	$726	$3,150	$8,675	$17,383
Molina Healthcare	Molina Silver Core Pluswith Adult Vision	Silver	HMO	$728	$6,000	$8,990	$17,723
Florida Blue	myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards)	Silver	HMO	$730	$3,150	$8,675	$17,431
Wellpoint (Elevance Health)	Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$730	$3,500	$10,150	$18,906
Wellpoint (Elevance Health)	Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$733	$1,850	$9,100	$17,891
Ambetter (Centene)	Clarity VALUE Silver	Silver	HMO	$734	$8,000	$8,400	$17,214
Ambetter (Centene)	Elite Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$735	$0	$10,500	$19,316
Florida Blue	myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards)	Silver	HMO	$738	$3,150	$8,675	$17,530
Florida Blue	myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	HMO	$738	$6,000	$8,900	$17,759
Molina Healthcare	Molina Silver Access Plus with Adult Dental and Vision	Silver	HMO	$738	$5,750	$9,050	$17,910
Wellpoint (Elevance Health)	Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$740	$3,500	$10,150	$19,035
Molina Healthcare	Molina Silver Core Plus with Adult Dental and Vision	Silver	HMO	$742	$6,000	$8,990	$17,894
Wellpoint (Elevance Health)	Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Silver	HMO	$746	$6,000	$8,900	$17,848
Molina Healthcare	Molina Silver Standard	Silver	HMO	$748	$6,000	$8,900	$17,881
UnitedHealthcare	UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)	Silver	HMO	$750	$4,500	$9,900	$18,902
Ambetter (Centene)	Thrive Silver	Silver	HMO	$752	$8,000	$8,400	$17,427
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Premier + No Referrals	Silver	HMO	$758	$400	$10,200	$19,290
Molina Healthcare	Molina Gold Enhanced 895	Gold	HMO	$760	$895	$8,700	$17,818
Molina Healthcare	Molina Gold Core 1640	Gold	HMO	$760	$1,640	$8,100	$17,224
Molina Healthcare	Molina Gold Enhanced 895 Pluswith Adult Vision	Gold	HMO	$764	$895	$8,700	$17,866
Molina Healthcare	Molina Gold Core 1640 Pluswith Adult Vision	Gold	HMO	$764	$1,640	$8,100	$17,273
Ambetter (Centene)	Standard Gold VALUE	Gold	HMO	$767	$2,000	$8,200	$17,400
UnitedHealthcare	UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	Silver	HMO	$771	$4,500	$9,900	$19,153
Molina Healthcare	Molina Gold Enhanced 895 Plus with Adult Dental and Vision	Gold	HMO	$778	$895	$8,700	$18,037
Molina Healthcare	Molina Gold Core 1640 Plus with Adult Dental and Vision	Gold	HMO	$779	$1,640	$8,100	$17,444
AmeriHealth Caritas Next	AmeriHealth Caritas Next Gold Signature + No Referrals	Gold	HMO	$782	$2,000	$8,200	$17,582
Ambetter (Centene)	Standard Silver VALUE	Silver	HMO	$783	$6,000	$8,900	$18,301
UnitedHealthcare	UHC Silver Standard-	Silver	HMO	$788	$6,000	$8,900	$18,356
UnitedHealthcare	UHC Silver Standard	Silver	HMO	$788	$6,000	$8,900	$18,357
Ambetter (Centene)	Focused VALUE Silver	Silver	HMO	$793	$6,300	$8,400	$17,914
Molina Healthcare	Molina Gold Standard	Gold	HMO	$795	$2,000	$8,200	$17,745
Wellpoint (Elevance Health)	Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$798	$800	$9,000	$18,580
UnitedHealthcare	UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)	Silver	HMO	$799	$2,700	$10,350	$19,932
AmeriHealth Caritas Next	AmeriHealth Caritas Next Gold Premier + No Referrals	Gold	HMO	$805	$850	$8,500	$18,157
Wellpoint (Elevance Health)	Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$806	$800	$9,000	$18,674
UnitedHealthcare	UHC Silver Standard+ (Dental + Vision)	Silver	HMO	$809	$6,000	$8,900	$18,608
Ambetter (Centene)	Complete VALUE Gold	Gold	HMO	$809	$1,450	$7,500	$17,214
Wellpoint (Elevance Health)	Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Gold	HMO	$815	$2,000	$8,200	$17,977
Wellpoint (Elevance Health)	Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$816	$1,400	$5,000	$14,791
UnitedHealthcare	UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	Silver	HMO	$819	$2,700	$10,350	$20,183
Ambetter (Centene)	Standard Gold	Gold	HMO	$830	$2,000	$8,200	$18,162
Florida Blue	BlueSelect Bronze 24L01-01 (Rewards)	Bronze	EPO	$840	$6,150	$10,150	$20,233
Ambetter (Centene)	Everyday Gold	Gold	HMO	$848	$800	$7,250	$17,427
Ambetter (Centene)	Standard Silver	Silver	HMO	$848	$6,000	$8,900	$19,079
AvMed	AvMed Entrust Silver Standard (2026)	Silver	HMO	$848	$6,000	$8,900	$19,079
Cigna Healthcare	Partnered Care Premier Gold	Gold	HMO	$850	$1,850	$7,700	$17,897
Ambetter (Centene)	Standard Gold + Vision + Adult Dental	Gold	HMO	$853	$2,000	$8,200	$18,431
UnitedHealthcare	UHC Gold Standard	Gold	HMO	$858	$2,000	$8,200	$18,492
Ambetter (Centene)	Focused Silver	Silver	HMO	$858	$6,300	$8,400	$18,702
AvMed	AvMed Entrust Silver 550 (2026)	Silver	HMO	$862	$6,250	$8,000	$18,348
UnitedHealthcare	UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)	Gold	HMO	$865	$0	$10,600	$20,980
AvMed	AvMed Entrust Silver 550 Dental+Vision (2026)	Silver	HMO	$866	$6,250	$8,000	$18,391
Cigna Healthcare	Connect Gold South FL 1500 Indiv Med Deductible	Gold	EPO	$867	$1,500	$9,450	$19,850
Ambetter (Centene)	Everyday Gold + Vision + Adult Dental	Gold	HMO	$871	$800	$7,250	$17,703
Ambetter (Centene)	Standard Silver + Vision + Adult Dental	Silver	HMO	$871	$6,000	$8,900	$19,354
Cigna Healthcare	Partnered Care Gold CMS Standard	Gold	HMO	$872	$2,000	$8,200	$18,659
Florida Blue	BlueSelect Bronze 2342S ($50 PCP Visits / Rewards)	Expanded Bronze	EPO	$872	$7,500	$10,000	$20,464
Ambetter (Centene)	Enhanced Diabetes Care Silver with $0 Drug Options	Silver	HMO	$873	$5,000	$8,650	$19,122
Cigna Healthcare	Connect Gold South FL CMS Standard	Gold	EPO	$873	$2,000	$8,200	$18,676
Florida Blue	myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	HMO	$875	$2,000	$8,200	$18,705
Ambetter (Centene)	Complete Gold	Gold	HMO	$876	$1,450	$7,500	$18,017
Florida Blue	BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)	Expanded Bronze	EPO	$879	$6,650	$7,400	$17,954
UnitedHealthcare	UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)	Gold	HMO	$881	$500	$9,000	$19,569
Florida Blue	BlueCare Bronze 24K02-18 (Rewards)	Bronze	POS	$882	$6,150	$10,150	$20,729
Ambetter (Centene)	Focused Silver + Vision + Adult Dental	Silver	HMO	$882	$6,300	$8,400	$18,980
Florida Blue	BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	EPO	$886	$6,500	$10,000	$20,628
AvMed	AvMed Entrust Silver 350 (2026)	Silver	HMO	$887	$3,500	$9,250	$19,898
Florida Blue	myBlue Gold 1605 ($0 Labs / Rewards)	Gold	HMO	$890	$940	$4,500	$15,184
AvMed	AvMed Entrust Silver 350 Dental+Vision (2026)	Silver	HMO	$891	$3,500	$9,250	$19,942
Ambetter (Centene)	Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental	Silver	HMO	$896	$5,000	$8,650	$19,405
Ambetter (Centene)	Complete Gold + Vision + Adult Dental	Gold	HMO	$900	$1,450	$7,500	$18,302
UnitedHealthcare	UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)	Gold	HMO	$902	$500	$9,000	$19,820
Florida Blue	BlueSelect Bronze 2139 ($50 PCP Visits / Rewards)	Expanded Bronze	EPO	$924	$0	$9,900	$20,983
AvMed	AvMed Entrust Gold Standard (2026)	Gold	HMO	$924	$2,000	$8,200	$19,291
Florida Blue	BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards)	Expanded Bronze	EPO	$929	$0	$9,900	$21,042
Florida Blue	BlueCare Bronze 24K02-26S ($50 PCP Visits / Rewards)	Expanded Bronze	POS	$931	$7,500	$10,000	$21,173
Florida Blue	BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards)	Expanded Bronze	EPO	$938	$0	$9,900	$21,159
AvMed	AvMed Entrust Gold 125 (2026)	Gold	HMO	$942	$2,000	$5,850	$17,154
AvMed	AvMed Entrust Gold 125 Dental+Vision (2026)	Gold	HMO	$946	$2,000	$5,850	$17,200
Florida Blue	BlueCare Bronze 24K02-17 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	POS	$952	$6,500	$10,000	$21,427
Cigna Healthcare	Partnered Care Classic Silver	Silver	HMO	$970	$5,000	$7,950	$19,585
Cigna Healthcare	Partnered Care Premier Silver	Silver	HMO	$971	$7,000	$8,500	$20,150
Cigna Healthcare	Connect Silver South FL 2850 Indiv Med Deductible	Silver	EPO	$989	$2,850	$9,450	$21,322
Cigna Healthcare	Connect Silver South FL CMS Standard	Silver	EPO	$996	$6,000	$8,900	$20,850
Cigna Healthcare	Partnered Care Silver CMS Standard	Silver	HMO	$1,006	$6,000	$8,900	$20,969
Florida Blue	BlueCare Bronze 24K02-23 ($50 PCP Visits / $75 Specialist Visits / Rewards)	Expanded Bronze	POS	$1,006	$0	$9,900	$21,978
Cigna Healthcare	Connect Silver South FL 4500 Indiv Med Deductible	Silver	EPO	$1,008	$4,500	$8,850	$20,946
Florida Blue	BlueOptions Bronze 24J01-06 (Rewards)	Bronze	PPO	$1,117	$6,150	$10,150	$23,551
Florida Blue	BlueSelect Silver 1443 ($10 Labs / Rewards)	Silver	EPO	$1,126	$4,000	$8,100	$21,615
Florida Blue	BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards)	Silver	EPO	$1,131	$4,000	$8,100	$21,674
Florida Blue	BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards)	Silver	EPO	$1,141	$4,000	$8,100	$21,793
Florida Blue	BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	EPO	$1,145	$6,000	$8,900	$22,638
Florida Blue	BlueSelect Silver 1456 ($50 PCP Visits / Rewards)	Silver	EPO	$1,158	$3,125	$8,100	$21,994
Florida Blue	BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)	Expanded Bronze	PPO	$1,159	$7,500	$10,000	$23,904
Florida Blue	BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)	Expanded Bronze	PPO	$1,169	$6,650	$7,400	$21,428
Florida Blue	BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	PPO	$1,177	$6,500	$10,000	$24,129
Florida Blue	BlueCare Silver 24K02-21 ($10 Labs / Rewards)	Silver	POS	$1,191	$4,000	$8,100	$22,393
Florida Blue	BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)	Expanded Bronze	PPO	$1,230	$0	$9,900	$24,658
Florida Blue	BlueCare Silver 24K02-27S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	POS	$1,231	$6,000	$8,900	$23,674
Florida Blue	BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	EPO	$1,267	$2,000	$8,200	$23,398
Florida Blue	BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	EPO	$1,296	$1,500	$6,450	$22,008
Florida Blue	BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	EPO	$1,331	$0	$6,250	$22,218
Florida Blue	BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards)	Gold	EPO	$1,336	$0	$6,250	$22,277
Florida Blue	BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	POS	$1,382	$2,000	$8,200	$24,783
Florida Blue	BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	POS	$1,466	$0	$6,250	$23,838
Florida Blue	BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	EPO	$1,659	$1,000	$4,000	$23,908
Florida Blue	BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	EPO	$1,705	$0	$2,525	$22,986
Florida Blue	BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	EPO	$1,777	$0	$5,200	$26,523
Florida Blue	BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	POS	$1,787	$0	$2,525	$23,963
Florida Blue	BlueOptions Silver 24J01-03 ($10 Labs / Rewards)	Silver	PPO	$1,805	$4,000	$8,100	$29,765
Florida Blue	BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	POS	$1,872	$0	$5,200	$27,666
Florida Blue	BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	PPO	$1,897	$2,000	$8,200	$30,969
Florida Blue	BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	PPO	$1,928	$6,000	$8,900	$32,040
Florida Blue	BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	PPO	$1,942	$1,500	$6,450	$29,760
Florida Blue	BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)	Silver	PPO	$1,951	$3,125	$8,100	$31,509
Florida Blue	BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	PPO	$1,995	$0	$6,250	$30,193
Florida Blue	BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	PPO	$2,520	$1,000	$4,000	$34,239
Florida Blue	BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	PPO	$2,592	$0	$2,525	$33,635
Florida Blue	BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	PPO	$2,701	$0	$5,200	$37,616

Deductibles and a bad year, by metal level

Metal	Lowest	Typical*	Highest	Plans	Typical deductible	Typical out-of-pocket max	Typical bad year**
Bronze	$502	$640	$1,230	63	$6,150	$10,150	$17,867
Silver	$682	$755	$1,951	72	$6,000	$8,900	$18,375
Gold	$624	$865	$1,995	45	$1,500	$8,200	$18,162
Platinum	$1,659	$1,829	$2,701	8	$0	$4,000	$27,095
CatastrophicUnder 30 or hardship exemption only	$531	$531	$531	1	$10,600	$10,600	$16,971

* 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.

Health sharing programs NOT INSURANCE

Health care sharing ministries and sharing communities are not insurance. They are not regulated as insurance, payment of your medical bills is not guaranteed, ACA tax credits and protections do not apply, and pre-existing conditions are often limited or excluded. Prices are national (same in every county) for one adult age 40, checked October 2026.

Side by side: the typical marketplace Bronze plan here is $640/mo with a legal out-of-pocket cap; a bad year ≈ $17,867 before tax credits. Many people get tax credits that cut ACA premiums a lot; health sharing never qualifies.

Program	Option	Monthly	You pay first, per need	One-need bad year†	Where
Christian Healthcare Ministries	Bronze	$115	$6,000	$7,380	No state limits listed
Christian Healthcare Ministries	Silver	$169	$3,000	$5,028	No state limits listed
Liberty HealthShare	Essential (single, 35-49)	$180	$4,000	—	No state limits listed
Samaritan Ministries	Basic (age 40-54, 1 person)	$185	$2,000	$6,720	No state limits listed
Zion HealthShare	Direct, $5,000 IUA (40-49, member only)	$188	$5,000	$7,256	Excludes MD, MA, PA, MT
CrowdHealth	Standard (ages 0-54), max monthly	$200	$500	$2,900	No state limits listed
Zion HealthShare	Direct, $2,500 IUA (40-49, member only)	$214	$2,500	$5,068	Excludes MD, MA, PA, MT
Sedera	SELECT+, $5,000 IUA (30+, member only, eff. 4/1/26)	$233	$5,000	$7,796	Check availability
Liberty HealthShare	Connect (single, 35-49)	$241	$1,000	—	No state limits listed
Sedera	SELECT+, $2,500 IUA	$251	$2,500	$5,512	Check availability
Zion HealthShare	Direct, $1,250 IUA (40-49, member only)	$254	$1,250	$4,298	Excludes MD, MA, PA, MT
Christian Healthcare Ministries	Gold	$299	$1,250	$4,838	No state limits listed
Sedera	SELECT+, $1,000 IUA	$309	$1,000	$4,708	Check availability
Liberty HealthShare	Unite (single, 35-49)	$312	$1,000	$4,744	No state limits listed
Samaritan Ministries	Classic (age 40-54, 1 person)	$330	$1,000	$4,960	No state limits listed
Sedera	SELECT+, $500 IUA	$437	$500	$5,744	Check availability

† 12 × monthly price + the amount you pay before sharing starts (plus any capped co-share) for one medical need. Two needs in a year can mean paying that amount twice. Not comparable 1:1 with an insurance out-of-pocket maximum, which is a legal yearly cap. Knew Health and Medi-Share publish prices by quote only. How health sharing works

How we make money: We have no affiliate links or paid placements yet. Payment never changes the order of any table or which option is labeled lowest. Disclosures