Health insurance prices in Osceola County, FL (2026)

192 marketplace plans from 9 insurers. Cheapest plan $494/mo; typical Silver $753/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 49.

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 $494–$1,300 (typical $627) · Silver $655–$2,062 (typical $753) · Gold $615–$2,109 (typical $787) · Platinum $1,067–$2,855 (typical $1,802) · Catastrophic $572–$572 (typical $572)

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
Molina Healthcare	19	$526	$556	$675	$709	Molina Bronze Standard
Oscar Health	19	$494	$546	$685	$631	Bronze Simple Breathe Easy with Enhanced COPD Benefits
AmeriHealth Caritas Next	8	$521	$524	$703	$773	AmeriHealth Caritas Next Bronze Essential + No Referrals
Ambetter (Centene)	26	$516	$542	$718	$719	Everyday Bronze
AvMed	14	$564	$572	$722	$785	AvMed Entrust Expanded Bronze Standard (2026)
Wellpoint (Elevance Health)	13	$606	$618	$793	$873	Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Florida BlueFlorida Blue (Blue Cross Blue Shield company)	68	$570	$953	$798	$1,409	myBlue Bronze 26M01-23 (Rewards)
UnitedHealthcareUnitedHealth Group	17	$628	$669	$873	$967	UHC Bronze Essential- ($0 Virtual Urgent Care)
Cigna HealthcareCigna Group	8	$656	$657	$990	$865	Connect Bronze Orlando CMS Standard

All 192 plans in Osceola 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	$494	$9,000	$10,600	$16,530
Ambetter (Centene)	Everyday Bronze	Expanded Bronze	HMO	$516	$8,450	$10,150	$16,337
Ambetter (Centene)	Standard Expanded Bronze	Expanded Bronze	HMO	$517	$7,500	$10,000	$16,206
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Essential + No Referrals	Bronze	HMO	$521	$10,600	$10,600	$16,851
Oscar Health	Bronze Classic Standard \| with AdventHealth	Expanded Bronze	HMO	$521	$7,500	$10,000	$16,254
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Signature + No Referrals	Expanded Bronze	HMO	$524	$7,500	$10,000	$16,285
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Premier + No Referrals	Expanded Bronze	HMO	$524	$3,850	$10,600	$16,885
Molina Healthcare	Molina Bronze Standard	Expanded Bronze	HMO	$526	$7,500	$10,000	$16,315
Ambetter (Centene)	Everyday Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$530	$8,450	$10,150	$16,504
Ambetter (Centene)	Standard Expanded Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$531	$7,500	$10,000	$16,374
Oscar Health	Bronze Classic 4700 \| with AdventHealth	Expanded Bronze	HMO	$534	$4,700	$9,200	$15,612
Molina Healthcare	Molina Bronze Enhanced 3500	Expanded Bronze	HMO	$539	$3,500	$9,950	$16,420
Molina Healthcare	Molina Bronze Enhanced 3500 Pluswith Adult Vision	Expanded Bronze	HMO	$543	$3,500	$9,950	$16,465
Oscar Health	Bronze Classic Standard	Expanded Bronze	HMO	$546	$7,500	$10,000	$16,558
Ambetter (Centene)	Standard Expanded Bronze VALUE	Expanded Bronze	HMO	$552	$7,500	$10,000	$16,624
Oscar Health	Bronze Simple Diabetes	Expanded Bronze	HMO	$553	$5,500	$10,150	$16,789
Molina Healthcare	Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision	Expanded Bronze	HMO	$556	$3,500	$9,950	$16,624
Oscar Health	Bronze Simple Chronic Care CKM	Expanded Bronze	HMO	$560	$5,500	$10,150	$16,871
AvMed	AvMed Entrust Expanded Bronze Standard (2026)	Expanded Bronze	HMO	$564	$7,500	$10,000	$16,771
Oscar Health	Bronze Elite + PCP Saver Plus \| with AdventHealth	Expanded Bronze	HMO	$567	$0	$10,600	$17,401
Florida Blue	myBlue Bronze 26M01-23 (Rewards)	Bronze	HMO	$570	$10,125	$10,150	$16,993
Wellpoint (Elevance Health)	Wellpoint Essential Catastrophic (+ Incentives)	Catastrophic	HMO	$572	$10,600	$10,600	$17,460
AvMed	AvMed Entrust Bronze 650 (2026)	Expanded Bronze	HMO	$572	$10,150	$10,150	$17,019
AvMed	AvMed Entrust Bronze 600 (2026)	Expanded Bronze	HMO	$581	$6,500	$9,500	$16,472
Ambetter (Centene)	Elite Bronze	Expanded Bronze	HMO	$589	$0	$10,500	$17,567
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible	Expanded Bronze	HMO	$590	$0	$10,350	$17,427
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision	Expanded Bronze	HMO	$593	$0	$10,350	$17,472
Ambetter (Centene)	Elite Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$605	$0	$10,500	$17,758
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$606	$6,000	$10,600	$17,875
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision	Expanded Bronze	HMO	$607	$0	$10,350	$17,630
Oscar Health	Gold Simple \| with AdventHealth	Gold	HMO	$615	$3,000	$9,950	$17,327
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$616	$5,500	$10,600	$17,987
Oscar Health	Gold Elite Saver Plus \| with AdventHealth	Gold	HMO	$616	$0	$9,500	$16,897
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Expanded Bronze	HMO	$621	$7,500	$10,000	$17,451
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$627	$5,500	$10,600	$18,124
UnitedHealthcare	UHC Bronze Essential- ($0 Virtual Urgent Care)	Bronze	HMO	$628	$10,600	$10,600	$18,135
UnitedHealthcare	UHC Bronze Essential ($0 Virtual Urgent Care)	Bronze	HMO	$628	$10,600	$10,600	$18,135
Ambetter (Centene)	Elite VALUE Bronze	Expanded Bronze	HMO	$629	$0	$10,500	$18,043
Oscar Health	Gold Classic Standard \| with AdventHealth	Gold	HMO	$646	$2,000	$8,200	$15,949
Florida Blue	myBlue Bronze 2219 ($75 PCP Visits / Rewards)	Expanded Bronze	HMO	$650	$2,625	$10,150	$17,946
Florida Blue	myBlue Bronze 2312S ($50 PCP Visits / Rewards)	Expanded Bronze	HMO	$651	$7,500	$10,000	$17,807
Ambetter (Centene)	Clarity Silver	Silver	HMO	$655	$8,000	$8,400	$16,257
Cigna Healthcare	Connect Bronze Orlando CMS Standard	Expanded Bronze	EPO	$656	$7,500	$10,000	$17,871
Cigna Healthcare	Connect Bronze Orlando 6000 Indiv Med Deductible	Expanded Bronze	EPO	$657	$6,000	$10,150	$18,033
Florida Blue	myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards)	Expanded Bronze	HMO	$658	$6,000	$10,150	$18,045
UnitedHealthcare	UHC Bronze Standard	Expanded Bronze	HMO	$658	$7,500	$10,000	$17,895
Molina Healthcare	Molina Silver Saver with Four Free PCP Visits	Silver	HMO	$666	$7,000	$10,150	$18,143
Cigna Healthcare	Connect Bronze Orlando 3000 Indiv Med Deductible	Expanded Bronze	EPO	$668	$3,000	$9,750	$17,766
Molina Healthcare	Molina Silver Core	Silver	HMO	$671	$6,000	$8,990	$17,045
Oscar Health	Silver Simple PCP Saver \| with AdventHealth	Silver	HMO	$674	$5,000	$9,250	$17,339
Molina Healthcare	Molina Silver Core Pluswith Adult Vision	Silver	HMO	$675	$6,000	$8,990	$17,090
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Essential + No Referrals	Silver	HMO	$676	$6,100	$9,000	$17,108
Oscar Health	Gold Classic Standard	Gold	HMO	$678	$2,000	$8,200	$16,336
Oscar Health	Silver Classic Standard \| with AdventHealth	Silver	HMO	$680	$6,000	$8,900	$17,061
Oscar Health	Silver Simple Diabetes \| with AdventHealth	Silver	HMO	$680	$6,500	$10,000	$18,166
UnitedHealthcare	UHC Bronze Standard+ (Dental + Vision)	Expanded Bronze	HMO	$681	$7,500	$10,000	$18,173
UnitedHealthcare	UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)	Expanded Bronze	HMO	$682	$0	$10,600	$18,780
Oscar Health	Silver Simple Chronic Care CKM \| with AdventHealth	Silver	HMO	$682	$5,900	$10,150	$18,332
Ambetter (Centene)	Standard Gold	Gold	HMO	$683	$2,000	$8,200	$16,401
Oscar Health	Silver Elite \| with AdventHealth	Silver	HMO	$688	$5,000	$9,850	$18,108
Molina Healthcare	Molina Silver Core Plus with Adult Dental and Vision	Silver	HMO	$688	$6,000	$8,990	$17,248
Molina Healthcare	Molina Silver Standard	Silver	HMO	$694	$6,000	$8,900	$17,229
Ambetter (Centene)	Everyday Gold	Gold	HMO	$698	$800	$7,250	$15,629
Ambetter (Centene)	Standard Silver	Silver	HMO	$698	$6,000	$8,900	$17,280
Ambetter (Centene)	Clarity VALUE Silver	Silver	HMO	$699	$8,000	$8,400	$16,786
Ambetter (Centene)	Standard Gold + Vision + Adult Dental	Gold	HMO	$702	$2,000	$8,200	$16,623
Florida Blue	myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards)	Expanded Bronze	HMO	$703	$0	$10,150	$18,580
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Signature + No Referrals	Silver	HMO	$703	$6,000	$8,900	$17,331
Molina Healthcare	Molina Gold Enhanced 895	Gold	HMO	$705	$895	$8,700	$17,156
UnitedHealthcare	UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)	Expanded Bronze	HMO	$705	$0	$10,600	$19,057
Molina Healthcare	Molina Gold Core 1640	Gold	HMO	$705	$1,640	$8,100	$16,562
Ambetter (Centene)	Focused Silver	Silver	HMO	$707	$6,300	$8,400	$16,881
AvMed	AvMed Entrust Silver Standard (2026)	Silver	HMO	$707	$6,000	$8,900	$17,383
Florida Blue	myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards)	Expanded Bronze	HMO	$707	$0	$10,150	$18,633
Molina Healthcare	Molina Gold Enhanced 895 Pluswith Adult Vision	Gold	HMO	$708	$895	$8,700	$17,201
Molina Healthcare	Molina Gold Core 1640 Pluswith Adult Vision	Gold	HMO	$709	$1,640	$8,100	$16,608
Oscar Health	Silver Classic Standard	Silver	HMO	$714	$6,000	$8,900	$17,471
Oscar Health	Silver Simple Breathe Easy with Enhanced COPD Benefits	Silver	HMO	$714	$6,200	$9,600	$18,173
Oscar Health	Silver Simple Women's Health with Menopause Benefits	Silver	HMO	$715	$6,000	$10,150	$18,734
Florida Blue	myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)	Expanded Bronze	HMO	$716	$0	$10,150	$18,740
Ambetter (Centene)	Everyday Gold + Vision + Adult Dental	Gold	HMO	$717	$800	$7,250	$15,856
Ambetter (Centene)	Standard Silver + Vision + Adult Dental	Silver	HMO	$717	$6,000	$8,900	$17,507
Ambetter (Centene)	Enhanced Diabetes Care Silver with $0 Drug Options	Silver	HMO	$718	$5,000	$8,650	$17,272
AvMed	AvMed Entrust Silver 550 (2026)	Silver	HMO	$719	$6,250	$8,000	$16,623
Ambetter (Centene)	Complete Gold	Gold	HMO	$722	$1,450	$7,500	$16,159
Molina Healthcare	Molina Gold Enhanced 895 Plus with Adult Dental and Vision	Gold	HMO	$722	$895	$8,700	$17,359
AvMed	AvMed Entrust Silver 550 Dental+Vision (2026)	Silver	HMO	$722	$6,250	$8,000	$16,659
Molina Healthcare	Molina Gold Core 1640 Plus with Adult Dental and Vision	Gold	HMO	$722	$1,640	$8,100	$16,766
Ambetter (Centene)	Focused Silver + Vision + Adult Dental	Silver	HMO	$726	$6,300	$8,400	$17,111
Ambetter (Centene)	Standard Gold VALUE	Gold	HMO	$730	$2,000	$8,200	$16,954
Florida Blue	myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards)	Silver	HMO	$737	$9,500	$10,025	$18,874
Molina Healthcare	Molina Gold Standard	Gold	HMO	$738	$2,000	$8,200	$17,052
Ambetter (Centene)	Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental	Silver	HMO	$738	$5,000	$8,650	$17,505
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Premier + No Referrals	Silver	HMO	$739	$400	$10,200	$19,062
AvMed	AvMed Entrust Silver 350 (2026)	Silver	HMO	$739	$3,500	$9,250	$18,123
Ambetter (Centene)	Complete Gold + Vision + Adult Dental	Gold	HMO	$741	$1,450	$7,500	$16,393
Florida Blue	myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards)	Silver	HMO	$742	$9,500	$10,025	$18,928
AvMed	AvMed Entrust Silver 350 Dental+Vision (2026)	Silver	HMO	$743	$3,500	$9,250	$18,160
Ambetter (Centene)	Standard Silver VALUE	Silver	HMO	$745	$6,000	$8,900	$17,845
Florida Blue	myBlue Silver 26M03-02E ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Dental & Vision / Rewards)	Silver	HMO	$751	$9,500	$10,025	$19,035
Florida Blue	myBlue Silver 25M03-01 ($0 Primary Care Visits with Select Providers / Rewards)	Silver	HMO	$751	$8,250	$8,650	$17,664
Ambetter (Centene)	Focused VALUE Silver	Silver	HMO	$754	$6,300	$8,400	$17,453
Florida Blue	myBlue Silver 25M03-01V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards)	Silver	HMO	$756	$8,250	$8,650	$17,717
Florida Blue	myBlue Connected Care Silver 24M03-70 ($0 Primary Care Visits with Select Providers / Rewards)	Silver	HMO	$759	$6,375	$8,825	$17,938
AmeriHealth Caritas Next	AmeriHealth Caritas Next Gold Signature + No Referrals	Gold	HMO	$762	$2,000	$8,200	$17,347
Florida Blue	myBlue Silver 24M03-70V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards)	Silver	HMO	$764	$6,375	$8,825	$17,990
Florida Blue	myBlue Silver 25M03-01E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards)	Silver	HMO	$764	$8,250	$8,650	$17,824
Ambetter (Centene)	Complete VALUE Gold	Gold	HMO	$770	$1,450	$7,500	$16,742
AvMed	AvMed Entrust Gold Standard (2026)	Gold	HMO	$770	$2,000	$8,200	$17,443
Florida Blue	myBlue Silver 24M03-70E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards)	Silver	HMO	$773	$6,375	$8,825	$18,097
AmeriHealth Caritas Next	AmeriHealth Caritas Next Gold Premier + No Referrals	Gold	HMO	$785	$850	$8,500	$17,915
Florida Blue	myBlue Silver 2237 ($60 PCP Visits / Rewards)	Silver	HMO	$785	$3,150	$8,675	$18,090
AvMed	AvMed Entrust Gold 125 (2026)	Gold	HMO	$785	$2,000	$5,850	$15,270
Wellpoint (Elevance Health)	Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$786	$3,500	$10,150	$19,578
AvMed	AvMed Entrust Gold 125 Dental+Vision (2026)	Gold	HMO	$788	$2,000	$5,850	$15,309
Wellpoint (Elevance Health)	Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$789	$1,850	$9,100	$18,566
Florida Blue	myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards)	Silver	HMO	$789	$3,150	$8,675	$18,142
Wellpoint (Elevance Health)	Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$797	$3,500	$10,150	$19,716
Florida Blue	myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards)	Silver	HMO	$798	$3,150	$8,675	$18,249
Florida Blue	myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	HMO	$798	$6,000	$8,900	$18,479
Wellpoint (Elevance Health)	Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Silver	HMO	$803	$6,000	$8,900	$18,534
UnitedHealthcare	UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)	Silver	HMO	$831	$4,500	$9,900	$19,872
UnitedHealthcare	UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	Silver	HMO	$854	$4,500	$9,900	$20,150
Wellpoint (Elevance Health)	Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$860	$800	$9,000	$19,315
Cigna Healthcare	Connect Gold Orlando 1500 Indiv Med Deductible	Gold	EPO	$862	$1,500	$9,450	$19,790
Cigna Healthcare	Connect Gold Orlando CMS Standard	Gold	EPO	$868	$2,000	$8,200	$18,616
Wellpoint (Elevance Health)	Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$868	$800	$9,000	$19,417
UnitedHealthcare	UHC Silver Standard-	Silver	HMO	$873	$6,000	$8,900	$19,375
UnitedHealthcare	UHC Silver Standard	Silver	HMO	$873	$6,000	$8,900	$19,376
Wellpoint (Elevance Health)	Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Gold	HMO	$877	$2,000	$8,200	$18,727
Wellpoint (Elevance Health)	Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$878	$1,400	$5,000	$15,542
UnitedHealthcare	UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)	Silver	HMO	$885	$2,700	$10,350	$20,965
Florida Blue	BlueSelect Bronze 24L01-01 (Rewards)	Bronze	EPO	$888	$6,150	$10,150	$20,808
UnitedHealthcare	UHC Silver Standard+ (Dental + Vision)	Silver	HMO	$896	$6,000	$8,900	$19,654
UnitedHealthcare	UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	Silver	HMO	$908	$2,700	$10,350	$21,243
Florida Blue	BlueSelect Bronze 2342S ($50 PCP Visits / Rewards)	Expanded Bronze	EPO	$922	$7,500	$10,000	$21,060
Florida Blue	BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)	Expanded Bronze	EPO	$930	$6,650	$7,400	$18,555
Florida Blue	BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	EPO	$936	$6,500	$10,000	$21,233
Florida Blue	myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	HMO	$947	$2,000	$8,200	$19,559
UnitedHealthcare	UHC Gold Standard	Gold	HMO	$950	$2,000	$8,200	$19,600
Florida Blue	BlueCare Bronze 24K02-18 (Rewards)	Bronze	POS	$953	$6,150	$10,150	$21,589
UnitedHealthcare	UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)	Gold	HMO	$958	$0	$10,600	$22,099
Florida Blue	myBlue Gold 1605 ($0 Labs / Rewards)	Gold	HMO	$963	$940	$4,500	$16,052
UnitedHealthcare	UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)	Gold	HMO	$976	$500	$9,000	$20,708
Florida Blue	BlueSelect Bronze 2139 ($50 PCP Visits / Rewards)	Expanded Bronze	EPO	$976	$0	$9,900	$21,615
Florida Blue	BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards)	Expanded Bronze	EPO	$981	$0	$9,900	$21,677
Cigna Healthcare	Connect Silver Orlando CMS Standard	Silver	EPO	$990	$6,000	$8,900	$20,780
Cigna Healthcare	Connect Silver Orlando 3500 Indiv Med Deductible	Silver	EPO	$990	$3,500	$9,350	$21,233
Florida Blue	BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards)	Expanded Bronze	EPO	$992	$0	$9,900	$21,801
Cigna Healthcare	Connect Silver Orlando 5000 Indiv Med Deductible	Silver	EPO	$993	$5,000	$8,950	$20,871
Florida Blue	myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards)	Gold	HMO	$997	$0	$6,550	$18,513
UnitedHealthcare	UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)	Gold	HMO	$999	$500	$9,000	$20,986
Florida Blue	BlueCare Bronze 24K02-26S ($50 PCP Visits / Rewards)	Expanded Bronze	POS	$1,007	$7,500	$10,000	$22,081
Florida Blue	BlueCare Bronze 24K02-17 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	POS	$1,030	$6,500	$10,000	$22,356
AvMed	AvMed Entrust Platinum 25 (2026)	Platinum	HMO	$1,067	$0	$5,500	$18,309
AvMed	AvMed Entrust Platinum 25 Dental+Vision (2026)	Platinum	HMO	$1,071	$0	$5,500	$18,355
Florida Blue	BlueCare Bronze 24K02-23 ($50 PCP Visits / $75 Specialist Visits / Rewards)	Expanded Bronze	POS	$1,088	$0	$9,900	$22,959
AvMed	AvMed Entrust Platinum Standard (2026)	Platinum	HMO	$1,096	$0	$5,200	$18,353
Florida Blue	BlueOptions Bronze 24J01-06 (Rewards)	Bronze	PPO	$1,180	$6,150	$10,150	$24,314
Florida Blue	BlueSelect Silver 1443 ($10 Labs / Rewards)	Silver	EPO	$1,190	$4,000	$8,100	$22,384
Florida Blue	BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards)	Silver	EPO	$1,196	$4,000	$8,100	$22,447
Florida Blue	BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards)	Silver	EPO	$1,206	$4,000	$8,100	$22,573
Florida Blue	BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	EPO	$1,210	$6,000	$8,900	$23,421
Florida Blue	BlueSelect Silver 1456 ($50 PCP Visits / Rewards)	Silver	EPO	$1,224	$3,125	$8,100	$22,785
Florida Blue	BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)	Expanded Bronze	PPO	$1,225	$7,500	$10,000	$24,696
Florida Blue	BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)	Expanded Bronze	PPO	$1,236	$6,650	$7,400	$22,226
Florida Blue	BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	PPO	$1,244	$6,500	$10,000	$24,933
Florida Blue	BlueCare Silver 24K02-21 ($10 Labs / Rewards)	Silver	POS	$1,288	$4,000	$8,100	$23,554
Florida Blue	myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	HMO	$1,290	$0	$2,250	$17,729
Florida Blue	BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)	Expanded Bronze	PPO	$1,300	$0	$9,900	$25,498
Florida Blue	BlueCare Silver 24K02-27S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	POS	$1,331	$6,000	$8,900	$24,875
Florida Blue	BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	EPO	$1,339	$2,000	$8,200	$24,264
Florida Blue	myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	HMO	$1,351	$0	$5,200	$21,415
Florida Blue	BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	EPO	$1,370	$1,500	$6,450	$22,894
Florida Blue	BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	EPO	$1,406	$0	$6,250	$23,128
Florida Blue	BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards)	Gold	EPO	$1,412	$0	$6,250	$23,190
Florida Blue	BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	POS	$1,494	$2,000	$8,200	$26,130
Florida Blue	BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	POS	$1,585	$0	$6,250	$25,267
Florida Blue	BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	EPO	$1,754	$1,000	$4,000	$25,042
Florida Blue	BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	EPO	$1,802	$0	$2,525	$24,151
Florida Blue	BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	EPO	$1,878	$0	$5,200	$27,738
Florida Blue	BlueOptions Silver 24J01-03 ($10 Labs / Rewards)	Silver	PPO	$1,908	$4,000	$8,100	$30,999
Florida Blue	BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	POS	$1,932	$0	$2,525	$25,705
Florida Blue	BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	PPO	$2,005	$2,000	$8,200	$32,266
Florida Blue	BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	POS	$2,024	$0	$5,200	$29,492
Florida Blue	BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	PPO	$2,038	$6,000	$8,900	$33,358
Florida Blue	BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	PPO	$2,053	$1,500	$6,450	$31,087
Florida Blue	BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)	Silver	PPO	$2,062	$3,125	$8,100	$32,842
Florida Blue	BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	PPO	$2,109	$0	$6,250	$31,557
Florida Blue	BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	PPO	$2,663	$1,000	$4,000	$35,961
Florida Blue	BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	PPO	$2,740	$0	$2,525	$35,407
Florida Blue	BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	PPO	$2,855	$0	$5,200	$39,462

Deductibles and a bad year, by metal level

Metal	Lowest	Typical*	Highest	Plans	Typical deductible	Typical out-of-pocket max	Typical bad year**
Bronze	$494	$627	$1,300	64	$6,150	$10,075	$17,873
Silver	$655	$753	$2,062	68	$6,000	$8,900	$18,163
Gold	$615	$787	$2,109	46	$1,500	$8,200	$17,353
Platinum	$1,067	$1,802	$2,855	13	$0	$5,200	$25,042
CatastrophicUnder 30 or hardship exemption only	$572	$572	$572	1	$10,600	$10,600	$17,460

* 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 $627/mo with a legal out-of-pocket cap; a bad year ≈ $17,873 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