Health insurance prices in Palm Beach County, FL (2026)

195 marketplace plans from 9 insurers. Cheapest plan $496/mo; typical Silver $765/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 50.

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–$1,053 (typical $617) · Silver $674–$1,604 (typical $765) · Gold $617–$1,640 (typical $820) · Platinum $1,041–$2,221 (typical $1,402) · Catastrophic $491–$491 (typical $491)

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
Wellpoint (Elevance Health)	13	$520	$531	$681	$749	Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Oscar Health	15	$496	$528	$683	$632	Bronze Simple Breathe Easy with Enhanced COPD Benefits
AvMed	14	$550	$558	$704	$766	AvMed Entrust Expanded Bronze Standard (2026)
Molina Healthcare	19	$570	$603	$732	$768	Molina Bronze Standard
Florida BlueFlorida Blue (Blue Cross Blue Shield company)	68	$552	$759	$772	$1,096	myBlue Bronze 26M01-23 (Rewards)
AmeriHealth Caritas Next	8	$576	$579	$777	$855	AmeriHealth Caritas Next Bronze Essential + No Referrals
Cigna HealthcareCigna Group	15	$520	$528	$779	$688	Connect Bronze Mid-South CMS Standard
UnitedHealthcareUnitedHealth Group	17	$566	$604	$787	$872	UHC Bronze Essential- ($0 Virtual Urgent Care)
Ambetter (Centene)	26	$602	$654	$843	$840	Everyday Bronze

All 195 plans in Palm Beach County, cheapest first

Insurer	Plan	Metal	Network	Monthly	Deductible	Out-of-pocket max	Bad year
Wellpoint (Elevance Health)	Wellpoint Essential Catastrophic (+ Incentives)	Catastrophic	HMO	$491	$10,600	$10,600	$16,487
Oscar Health	Bronze Simple Breathe Easy with Enhanced COPD Benefits	Expanded Bronze	HMO	$496	$9,000	$10,600	$16,550
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$520	$6,000	$10,600	$16,844
Cigna Healthcare	Connect Bronze Mid-South CMS Standard	Expanded Bronze	EPO	$520	$7,500	$10,000	$16,244
Oscar Health	Bronze Classic Standard	Expanded Bronze	HMO	$523	$7,500	$10,000	$16,275
Oscar Health	Bronze Classic 4700	Expanded Bronze	HMO	$527	$4,700	$10,150	$16,477
Cigna Healthcare	Connect Bronze Mid-South 5500 Indiv Med Deductible	Expanded Bronze	EPO	$528	$5,500	$9,500	$15,838
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$528	$5,500	$10,600	$16,940
Cigna Healthcare	Connect myDiabetesCare Bronze Mid-South	Expanded Bronze	EPO	$529	$6,500	$9,200	$15,544
Oscar Health	Bronze Simple Diabetes	Expanded Bronze	HMO	$529	$5,500	$10,150	$16,503
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Expanded Bronze	HMO	$533	$7,500	$10,000	$16,394
Oscar Health	Bronze Simple Chronic Care CKM	Expanded Bronze	HMO	$536	$5,500	$10,150	$16,580
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$538	$5,500	$10,600	$17,057
AvMed	AvMed Entrust Expanded Bronze Standard (2026)	Expanded Bronze	HMO	$550	$7,500	$10,000	$16,606
Florida Blue	myBlue Bronze 26M01-23 (Rewards)	Bronze	HMO	$552	$10,125	$10,150	$16,769
AvMed	AvMed Entrust Bronze 650 (2026)	Expanded Bronze	HMO	$558	$10,150	$10,150	$16,851
UnitedHealthcare	UHC Bronze Essential- ($0 Virtual Urgent Care)	Bronze	HMO	$566	$10,600	$10,600	$17,393
UnitedHealthcare	UHC Bronze Essential ($0 Virtual Urgent Care)	Bronze	HMO	$566	$10,600	$10,600	$17,394
AvMed	AvMed Entrust Bronze 600 (2026)	Expanded Bronze	HMO	$567	$6,500	$9,500	$16,301
Oscar Health	Bronze Elite + PCP Saver Plus	Expanded Bronze	HMO	$569	$0	$10,600	$17,424
Molina Healthcare	Molina Bronze Standard	Expanded Bronze	HMO	$570	$7,500	$10,000	$16,845
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Essential + No Referrals	Bronze	HMO	$576	$10,600	$10,600	$17,514
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Signature + No Referrals	Expanded Bronze	HMO	$579	$7,500	$10,000	$16,952
AmeriHealth Caritas Next	AmeriHealth Caritas Next Bronze Premier + No Referrals	Expanded Bronze	HMO	$579	$3,850	$10,600	$17,552
Cigna Healthcare	Connect Bronze Mid-South 0 Indiv Med Deductible	Expanded Bronze	EPO	$581	$0	$10,600	$17,578
Molina Healthcare	Molina Bronze Enhanced 3500	Expanded Bronze	HMO	$584	$3,500	$9,950	$16,963
Molina Healthcare	Molina Bronze Enhanced 3500 Pluswith Adult Vision	Expanded Bronze	HMO	$588	$3,500	$9,950	$17,012
UnitedHealthcare	UHC Bronze Standard	Expanded Bronze	HMO	$593	$7,500	$10,000	$17,118
Ambetter (Centene)	Everyday Bronze	Expanded Bronze	HMO	$602	$8,450	$10,150	$17,376
Molina Healthcare	Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision	Expanded Bronze	HMO	$603	$3,500	$9,950	$17,184
Ambetter (Centene)	Standard Expanded Bronze	Expanded Bronze	HMO	$604	$7,500	$10,000	$17,248
UnitedHealthcare	UHC Bronze Standard+ (Dental + Vision)	Expanded Bronze	HMO	$614	$7,500	$10,000	$17,369
UnitedHealthcare	UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)	Expanded Bronze	HMO	$615	$0	$10,600	$17,975
Oscar Health	Gold Simple	Gold	HMO	$617	$3,000	$9,950	$17,352
Ambetter (Centene)	Everyday Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$618	$8,450	$10,150	$17,572
Ambetter (Centene)	Standard Expanded Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$620	$7,500	$10,000	$17,444
Florida Blue	myBlue Bronze 2219 ($75 PCP Visits / Rewards)	Expanded Bronze	HMO	$628	$2,625	$10,150	$17,691
Florida Blue	myBlue Bronze 2312S ($50 PCP Visits / Rewards)	Expanded Bronze	HMO	$629	$7,500	$10,000	$17,552
UnitedHealthcare	UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)	Expanded Bronze	HMO	$635	$0	$10,600	$18,226
Florida Blue	myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards)	Expanded Bronze	HMO	$636	$6,000	$10,150	$17,786
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible	Expanded Bronze	HMO	$639	$0	$10,350	$18,020
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision	Expanded Bronze	HMO	$643	$0	$10,350	$18,069
Oscar Health	Gold Classic Standard	Gold	HMO	$648	$2,000	$8,200	$15,976
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision	Expanded Bronze	HMO	$658	$0	$10,350	$18,241
Cigna Healthcare	Partnered Care Premier Gold	Gold	HMO	$671	$1,850	$7,700	$15,749
Cigna Healthcare	Connect Gold Mid-South 2250 Indiv Med Deductible	Gold	EPO	$674	$2,250	$9,450	$17,534
Wellpoint (Elevance Health)	Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$674	$3,500	$10,150	$18,241
Oscar Health	Silver Simple PCP Saver	Silver	HMO	$676	$5,000	$9,250	$17,367
Wellpoint (Elevance Health)	Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$677	$1,850	$9,100	$17,223
Florida Blue	myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards)	Expanded Bronze	HMO	$680	$0	$10,150	$18,304
Oscar Health	Silver Classic Standard	Silver	HMO	$682	$6,000	$8,900	$17,089
Oscar Health	Silver Simple Breathe Easy with Enhanced COPD Benefits	Silver	HMO	$683	$6,200	$9,600	$17,791
Oscar Health	Silver Simple Diabetes	Silver	HMO	$683	$6,500	$10,000	$18,194
Oscar Health	Silver Simple Women's Health with Menopause Benefits	Silver	HMO	$683	$6,000	$10,150	$18,352
Florida Blue	myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards)	Expanded Bronze	HMO	$684	$0	$10,150	$18,355
Wellpoint (Elevance Health)	Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$684	$3,500	$10,150	$18,360
Oscar Health	Silver Simple Chronic Care CKM	Silver	HMO	$684	$5,900	$10,150	$18,360
Ambetter (Centene)	Elite Bronze	Expanded Bronze	HMO	$688	$0	$10,500	$18,754
Cigna Healthcare	Partnered Care Gold CMS Standard	Gold	HMO	$688	$2,000	$8,200	$16,456
Cigna Healthcare	Connect Gold Mid-South CMS Standard	Gold	EPO	$689	$2,000	$8,200	$16,463
Wellpoint (Elevance Health)	Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Silver	HMO	$689	$6,000	$8,900	$17,168
AvMed	AvMed Entrust Silver Standard (2026)	Silver	HMO	$690	$6,000	$8,900	$17,175
Florida Blue	BlueSelect Bronze 24L01-01 (Rewards)	Bronze	EPO	$691	$6,150	$10,150	$18,440
Oscar Health	Silver Elite	Silver	HMO	$692	$5,000	$9,750	$18,049
Florida Blue	myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)	Expanded Bronze	HMO	$692	$0	$10,150	$18,458
Ambetter (Centene)	Standard Expanded Bronze VALUE	Expanded Bronze	HMO	$699	$7,500	$10,000	$18,389
AvMed	AvMed Entrust Silver 550 (2026)	Silver	HMO	$701	$6,250	$8,000	$16,412
AvMed	AvMed Entrust Silver 550 Dental+Vision (2026)	Silver	HMO	$704	$6,250	$8,000	$16,448
Ambetter (Centene)	Elite Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$706	$0	$10,500	$18,977
Florida Blue	myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards)	Silver	HMO	$713	$9,500	$10,025	$18,584
Florida Blue	BlueSelect Bronze 2342S ($50 PCP Visits / Rewards)	Expanded Bronze	EPO	$717	$7,500	$10,000	$18,603
Florida Blue	myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards)	Silver	HMO	$718	$9,500	$10,025	$18,636
Cigna Healthcare	Connect Gold Mid-South 850 Indiv Med Deductible	Gold	EPO	$720	$850	$8,550	$17,188
AvMed	AvMed Entrust Silver 350 (2026)	Silver	HMO	$721	$3,500	$9,250	$17,906
Molina Healthcare	Molina Silver Saver with Four Free PCP Visits	Silver	HMO	$722	$7,000	$10,150	$18,814
Florida Blue	BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)	Expanded Bronze	EPO	$723	$6,650	$7,400	$16,076
AvMed	AvMed Entrust Silver 350 Dental+Vision (2026)	Silver	HMO	$724	$3,500	$9,250	$17,942
Florida Blue	myBlue Silver 26M03-02E ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Dental & Vision / Rewards)	Silver	HMO	$726	$9,500	$10,025	$18,740
Florida Blue	myBlue Silver 25M03-01 ($0 Primary Care Visits with Select Providers / Rewards)	Silver	HMO	$727	$8,250	$8,650	$17,369
Molina Healthcare	Molina Silver Core	Silver	HMO	$728	$6,000	$8,990	$17,720
Florida Blue	BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	EPO	$728	$6,500	$10,000	$18,738
Florida Blue	myBlue Silver 25M03-01V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards)	Silver	HMO	$731	$8,250	$8,650	$17,420
Molina Healthcare	Molina Silver Core Pluswith Adult Vision	Silver	HMO	$732	$6,000	$8,990	$17,769
Florida Blue	myBlue Connected Care Silver 24M03-70 ($0 Primary Care Visits with Select Providers / Rewards)	Silver	HMO	$735	$6,375	$8,825	$17,639
Wellpoint (Elevance Health)	Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$738	$800	$9,000	$17,852
Florida Blue	myBlue Silver 24M03-70V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards)	Silver	HMO	$739	$6,375	$8,825	$17,690
Florida Blue	myBlue Silver 25M03-01E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards)	Silver	HMO	$739	$8,250	$8,650	$17,523
Wellpoint (Elevance Health)	Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$745	$800	$9,000	$17,940
Molina Healthcare	Molina Silver Core Plus with Adult Dental and Vision	Silver	HMO	$746	$6,000	$8,990	$17,940
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Essential + No Referrals	Silver	HMO	$747	$6,100	$9,000	$17,968
Florida Blue	myBlue Silver 24M03-70E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards)	Silver	HMO	$747	$6,375	$8,825	$17,794
UnitedHealthcare	UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)	Silver	HMO	$749	$4,500	$9,900	$18,891
AvMed	AvMed Entrust Gold Standard (2026)	Gold	HMO	$751	$2,000	$8,200	$17,216
Molina Healthcare	Molina Silver Standard	Silver	HMO	$752	$6,000	$8,900	$17,927
Wellpoint (Elevance Health)	Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Gold	HMO	$753	$2,000	$8,200	$17,234
Wellpoint (Elevance Health)	Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$754	$1,400	$5,000	$14,047
Florida Blue	myBlue Silver 2237 ($60 PCP Visits / Rewards)	Silver	HMO	$759	$3,150	$8,675	$17,782
Florida Blue	BlueSelect Bronze 2139 ($50 PCP Visits / Rewards)	Expanded Bronze	EPO	$759	$0	$9,900	$19,012
Florida Blue	myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards)	Silver	HMO	$763	$3,150	$8,675	$17,832
Florida Blue	BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards)	Expanded Bronze	EPO	$763	$0	$9,900	$19,060
Molina Healthcare	Molina Gold Enhanced 895	Gold	HMO	$764	$895	$8,700	$17,865
Molina Healthcare	Molina Gold Core 1640	Gold	HMO	$764	$1,640	$8,100	$17,271
Ambetter (Centene)	Clarity Silver	Silver	HMO	$765	$8,000	$8,400	$17,576
Cigna Healthcare	Partnered Care Classic Silver	Silver	HMO	$765	$5,000	$7,950	$17,134
AvMed	AvMed Entrust Gold 125 (2026)	Gold	HMO	$766	$2,000	$5,850	$15,039
Cigna Healthcare	Partnered Care Premier Silver	Silver	HMO	$766	$7,000	$8,500	$17,696
Molina Healthcare	Molina Gold Enhanced 895 Pluswith Adult Vision	Gold	HMO	$768	$895	$8,700	$17,914
Molina Healthcare	Molina Gold Core 1640 Pluswith Adult Vision	Gold	HMO	$768	$1,640	$8,100	$17,321
AvMed	AvMed Entrust Gold 125 Dental+Vision (2026)	Gold	HMO	$769	$2,000	$5,850	$15,077
UnitedHealthcare	UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	Silver	HMO	$770	$4,500	$9,900	$19,142
Florida Blue	BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards)	Expanded Bronze	EPO	$771	$0	$9,900	$19,157
Florida Blue	myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards)	Silver	HMO	$772	$3,150	$8,675	$17,936
Florida Blue	myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	HMO	$772	$6,000	$8,900	$18,165
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Signature + No Referrals	Silver	HMO	$777	$6,000	$8,900	$18,225
Cigna Healthcare	Connect Silver Mid-South 4500 Indiv Med Deductible	Silver	EPO	$778	$4,500	$9,350	$18,685
Cigna Healthcare	Connect Silver Mid-South 3800 Indiv Med Deductible	Silver	EPO	$779	$3,800	$9,500	$18,850
Molina Healthcare	Molina Gold Enhanced 895 Plus with Adult Dental and Vision	Gold	HMO	$782	$895	$8,700	$18,085
Molina Healthcare	Molina Gold Core 1640 Plus with Adult Dental and Vision	Gold	HMO	$783	$1,640	$8,100	$17,492
Cigna Healthcare	Connect Silver Mid-South CMS Standard	Silver	EPO	$785	$6,000	$8,900	$18,325
UnitedHealthcare	UHC Silver Standard-	Silver	HMO	$787	$6,000	$8,900	$18,344
UnitedHealthcare	UHC Silver Standard	Silver	HMO	$787	$6,000	$8,900	$18,346
Cigna Healthcare	Partnered Care Silver CMS Standard	Silver	HMO	$794	$6,000	$8,900	$18,426
Ambetter (Centene)	Elite VALUE Bronze	Expanded Bronze	HMO	$796	$0	$10,500	$20,053
UnitedHealthcare	UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)	Silver	HMO	$798	$2,700	$10,350	$19,921
Ambetter (Centene)	Standard Gold	Gold	HMO	$798	$2,000	$8,200	$17,779
Molina Healthcare	Molina Gold Standard	Gold	HMO	$800	$2,000	$8,200	$17,794
UnitedHealthcare	UHC Silver Standard+ (Dental + Vision)	Silver	HMO	$808	$6,000	$8,900	$18,596
Ambetter (Centene)	Everyday Gold	Gold	HMO	$816	$800	$7,250	$17,036
Ambetter (Centene)	Standard Silver	Silver	HMO	$816	$6,000	$8,900	$18,688
AmeriHealth Caritas Next	AmeriHealth Caritas Next Silver Premier + No Referrals	Silver	HMO	$817	$400	$10,200	$20,002
UnitedHealthcare	UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	Silver	HMO	$818	$2,700	$10,350	$20,172
Ambetter (Centene)	Standard Gold + Vision + Adult Dental	Gold	HMO	$820	$2,000	$8,200	$18,038
Ambetter (Centene)	Focused Silver	Silver	HMO	$825	$6,300	$8,400	$18,306
Ambetter (Centene)	Everyday Gold + Vision + Adult Dental	Gold	HMO	$838	$800	$7,250	$17,301
Ambetter (Centene)	Standard Silver + Vision + Adult Dental	Silver	HMO	$838	$6,000	$8,900	$18,953
Ambetter (Centene)	Enhanced Diabetes Care Silver with $0 Drug Options	Silver	HMO	$839	$5,000	$8,650	$18,720
Ambetter (Centene)	Complete Gold	Gold	HMO	$843	$1,450	$7,500	$17,613
AmeriHealth Caritas Next	AmeriHealth Caritas Next Gold Signature + No Referrals	Gold	HMO	$843	$2,000	$8,200	$18,317
Ambetter (Centene)	Focused Silver + Vision + Adult Dental	Silver	HMO	$848	$6,300	$8,400	$18,574
UnitedHealthcare	UHC Gold Standard	Gold	HMO	$857	$2,000	$8,200	$18,479
Ambetter (Centene)	Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental	Silver	HMO	$862	$5,000	$8,650	$18,992
UnitedHealthcare	UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)	Gold	HMO	$864	$0	$10,600	$20,968
Ambetter (Centene)	Complete Gold + Vision + Adult Dental	Gold	HMO	$866	$1,450	$7,500	$17,887
AmeriHealth Caritas Next	AmeriHealth Caritas Next Gold Premier + No Referrals	Gold	HMO	$868	$850	$8,500	$18,913
UnitedHealthcare	UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)	Gold	HMO	$880	$500	$9,000	$19,556
Ambetter (Centene)	Clarity VALUE Silver	Silver	HMO	$885	$8,000	$8,400	$19,021
UnitedHealthcare	UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)	Gold	HMO	$901	$500	$9,000	$19,807
Florida Blue	myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	HMO	$916	$2,000	$8,200	$19,187
Florida Blue	BlueOptions Bronze 24J01-06 (Rewards)	Bronze	PPO	$918	$6,150	$10,150	$21,167
Florida Blue	BlueCare Bronze 24K02-18 (Rewards)	Bronze	POS	$922	$6,150	$10,150	$21,214
Ambetter (Centene)	Standard Gold VALUE	Gold	HMO	$924	$2,000	$8,200	$19,287
Florida Blue	BlueSelect Silver 1443 ($10 Labs / Rewards)	Silver	EPO	$926	$4,000	$8,100	$19,211
Florida Blue	BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards)	Silver	EPO	$930	$4,000	$8,100	$19,260
Florida Blue	myBlue Gold 1605 ($0 Labs / Rewards)	Gold	HMO	$931	$940	$4,500	$15,674
Florida Blue	BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards)	Silver	EPO	$938	$4,000	$8,100	$19,357
Florida Blue	BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	EPO	$941	$6,000	$8,900	$20,195
Ambetter (Centene)	Standard Silver VALUE	Silver	HMO	$944	$6,000	$8,900	$20,229
Florida Blue	BlueSelect Silver 1456 ($50 PCP Visits / Rewards)	Silver	EPO	$952	$3,125	$8,100	$19,522
Florida Blue	BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)	Expanded Bronze	PPO	$953	$7,500	$10,000	$21,431
Ambetter (Centene)	Focused VALUE Silver	Silver	HMO	$955	$6,300	$8,400	$19,865
Florida Blue	BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)	Expanded Bronze	PPO	$961	$6,650	$7,400	$18,932
Florida Blue	myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards)	Gold	HMO	$964	$0	$6,550	$18,121
Florida Blue	BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	PPO	$968	$6,500	$10,000	$21,616
Florida Blue	BlueCare Bronze 24K02-26S ($50 PCP Visits / Rewards)	Expanded Bronze	POS	$974	$7,500	$10,000	$21,685
Ambetter (Centene)	Complete VALUE Gold	Gold	HMO	$975	$1,450	$7,500	$19,205
Florida Blue	BlueCare Bronze 24K02-17 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	POS	$996	$6,500	$10,000	$21,951
Florida Blue	BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)	Expanded Bronze	PPO	$1,011	$0	$9,900	$22,032
Florida Blue	BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	EPO	$1,041	$2,000	$8,200	$20,695
AvMed	AvMed Entrust Platinum 25 (2026)	Platinum	HMO	$1,041	$0	$5,500	$17,996
AvMed	AvMed Entrust Platinum 25 Dental+Vision (2026)	Platinum	HMO	$1,045	$0	$5,500	$18,040
Florida Blue	BlueCare Bronze 24K02-23 ($50 PCP Visits / $75 Specialist Visits / Rewards)	Expanded Bronze	POS	$1,053	$0	$9,900	$22,532
Florida Blue	BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	EPO	$1,066	$1,500	$6,450	$19,240
AvMed	AvMed Entrust Platinum Standard (2026)	Platinum	HMO	$1,069	$0	$5,200	$18,031
Florida Blue	BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	EPO	$1,094	$0	$6,250	$19,378
Florida Blue	BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards)	Gold	EPO	$1,098	$0	$6,250	$19,426
Florida Blue	BlueCare Silver 24K02-21 ($10 Labs / Rewards)	Silver	POS	$1,246	$4,000	$8,100	$23,048
Florida Blue	myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	HMO	$1,248	$0	$2,250	$17,222
Florida Blue	BlueCare Silver 24K02-27S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	POS	$1,288	$6,000	$8,900	$24,352
Florida Blue	myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	HMO	$1,307	$0	$5,200	$20,884
Florida Blue	BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	EPO	$1,364	$1,000	$4,000	$20,367
Florida Blue	BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	EPO	$1,402	$0	$2,525	$19,346
Florida Blue	BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	POS	$1,445	$2,000	$8,200	$25,543
Florida Blue	BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	EPO	$1,461	$0	$5,200	$22,730
Florida Blue	BlueOptions Silver 24J01-03 ($10 Labs / Rewards)	Silver	PPO	$1,484	$4,000	$8,100	$25,911
Florida Blue	BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	POS	$1,533	$0	$6,250	$24,644
Florida Blue	BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	PPO	$1,560	$2,000	$8,200	$26,919
Florida Blue	BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	PPO	$1,585	$6,000	$8,900	$27,924
Florida Blue	BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	PPO	$1,597	$1,500	$6,450	$25,613
Florida Blue	BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)	Silver	PPO	$1,604	$3,125	$8,100	$27,345
Florida Blue	BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	PPO	$1,640	$0	$6,250	$25,934
Florida Blue	BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	POS	$1,868	$0	$2,525	$24,946
Florida Blue	BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	POS	$1,958	$0	$5,200	$28,696
Florida Blue	BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	PPO	$2,072	$1,000	$4,000	$28,860
Florida Blue	BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	PPO	$2,131	$0	$2,525	$28,101
Florida Blue	BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	PPO	$2,221	$0	$5,200	$31,850

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	$617	$1,053	64	$6,150	$10,150	$17,552
Silver	$674	$765	$1,604	70	$6,000	$8,900	$18,345
Gold	$617	$820	$1,640	47	$1,500	$8,200	$17,887
Platinum	$1,041	$1,402	$2,221	13	$0	$5,200	$20,884
CatastrophicUnder 30 or hardship exemption only	$491	$491	$491	1	$10,600	$10,600	$16,487

* 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 $617/mo with a legal out-of-pocket cap; a bad year ≈ $17,552 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