Health insurance prices in Monroe County, FL (2026)
33 marketplace plans from 1 insurers. Cheapest plan $949/mo; typical Silver $1,300/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 44.
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 $949–$1,389 (typical $1,054) · Silver $1,272–$2,203 (typical $1,300) · Gold $1,430–$2,254 (typical $1,509) · Platinum $1,874–$3,051 (typical $2,427)
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 |
|---|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (Blue Cross Blue Shield company) | 33 | $949 | $1,054 | $1,300 | $1,509 | BlueSelect Bronze 24L01-01 (Rewards) |
All 33 plans in Monroe County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Florida Blue | BlueSelect Bronze 24L01-01 (Rewards) | Bronze | EPO | $949 | $6,150 | $10,150 | $21,539 | |
| Florida Blue | BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) | Expanded Bronze | EPO | $985 | $7,500 | $10,000 | $21,819 | |
| Florida Blue | BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) | Expanded Bronze | EPO | $993 | $6,650 | $7,400 | $19,320 | |
| Florida Blue | BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | EPO | $1,000 | $6,500 | $10,000 | $22,004 | |
| Florida Blue | BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) | Expanded Bronze | EPO | $1,043 | $0 | $9,900 | $22,418 | |
| Florida Blue | BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) | Expanded Bronze | EPO | $1,049 | $0 | $9,900 | $22,485 | |
| Florida Blue | BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | EPO | $1,060 | $0 | $9,900 | $22,617 | |
| Florida Blue | BlueOptions Bronze 24J01-06 (Rewards) | Bronze | PPO | $1,261 | $6,150 | $10,150 | $25,286 | |
| Florida Blue | BlueSelect Silver 1443 ($10 Labs / Rewards) | Silver | EPO | $1,272 | $4,000 | $8,100 | $23,364 | |
| Florida Blue | BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) | Silver | EPO | $1,278 | $4,000 | $8,100 | $23,431 | |
| Florida Blue | BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) | Silver | EPO | $1,289 | $4,000 | $8,100 | $23,566 | |
| Florida Blue | BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | EPO | $1,293 | $6,000 | $8,900 | $24,417 | |
| Florida Blue | BlueSelect Silver 1456 ($50 PCP Visits / Rewards) | Silver | EPO | $1,308 | $3,125 | $8,100 | $23,792 | |
| Florida Blue | BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) | Expanded Bronze | PPO | $1,309 | $7,500 | $10,000 | $25,705 | |
| Florida Blue | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) | Expanded Bronze | PPO | $1,320 | $6,650 | $7,400 | $23,243 | |
| Florida Blue | BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | PPO | $1,330 | $6,500 | $10,000 | $25,958 | |
| Florida Blue | BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) | Expanded Bronze | PPO | $1,389 | $0 | $9,900 | $26,568 | |
| Florida Blue | BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | EPO | $1,430 | $2,000 | $8,200 | $25,366 | |
| Florida Blue | BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | EPO | $1,464 | $1,500 | $6,450 | $24,022 | |
| Florida Blue | BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | EPO | $1,503 | $0 | $6,250 | $24,285 | |
| Florida Blue | BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) | Gold | EPO | $1,509 | $0 | $6,250 | $24,352 | |
| Florida Blue | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | EPO | $1,874 | $1,000 | $4,000 | $26,486 | |
| Florida Blue | BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | EPO | $1,926 | $0 | $2,525 | $25,634 | |
| Florida Blue | BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | EPO | $2,007 | $0 | $5,200 | $29,284 | |
| Florida Blue | BlueOptions Silver 24J01-03 ($10 Labs / Rewards) | Silver | PPO | $2,039 | $4,000 | $8,100 | $32,570 | |
| Florida Blue | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | PPO | $2,143 | $2,000 | $8,200 | $33,916 | |
| Florida Blue | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | PPO | $2,178 | $6,000 | $8,900 | $35,036 | |
| Florida Blue | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | PPO | $2,194 | $1,500 | $6,450 | $32,777 | |
| Florida Blue | BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) | Silver | PPO | $2,203 | $3,125 | $8,100 | $34,539 | |
| Florida Blue | BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | PPO | $2,254 | $0 | $6,250 | $33,293 | |
| Florida Blue | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | PPO | $2,846 | $1,000 | $4,000 | $38,153 | |
| Florida Blue | BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | PPO | $2,928 | $0 | $2,525 | $37,662 | |
| Florida Blue | BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | PPO | $3,051 | $0 | $5,200 | $41,812 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $949 | $1,054 | $1,389 | 12 | $6,325 | $9,950 | $22,551 |
| Silver | $1,272 | $1,300 | $2,203 | 8 | $4,000 | $8,100 | $24,105 |
| Gold | $1,430 | $1,509 | $2,254 | 7 | $1,500 | $6,450 | $25,366 |
| Platinum | $1,874 | $2,427 | $3,051 | 6 | $0 | $4,000 | $33,473 |
* 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.