Health insurance prices in Polk County, FL (2026)

159 marketplace plans from 6 insurers. Cheapest plan $509/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 53.

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 $509–$1,021 (typical $655) · Silver $647–$1,619 (typical $765) · Gold $675–$1,656 (typical $813) · Platinum $1,198–$2,242 (typical $1,392) · Catastrophic $481–$481 (typical $481)

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	$510	$520	$667	$734	Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Ambetter (Centene)	19	$509	$524	$709	$701	Everyday Bronze
Florida BlueFlorida Blue (Blue Cross Blue Shield company)	72	$530	$713	$741	$1,076	myBlue Bronze 26M01-23 (Rewards)
Molina Healthcare	19	$592	$626	$760	$798	Molina Bronze Standard
Oscar Health	19	$561	$620	$777	$716	Bronze Simple Breathe Easy with Enhanced COPD Benefits
UnitedHealthcareUnitedHealth Group	17	$684	$730	$951	$1,054	UHC Bronze Essential- ($0 Virtual Urgent Care)

All 159 plans in Polk County, cheapest first

Insurer	Plan	Metal	Network	Monthly	Deductible	Out-of-pocket max	Bad year
Wellpoint (Elevance Health)	Wellpoint Essential Catastrophic (+ Incentives)	Catastrophic	HMO	$481	$10,600	$10,600	$16,371
Ambetter (Centene)	Everyday Bronze	Expanded Bronze	HMO	$509	$8,450	$10,150	$16,264
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$510	$6,000	$10,600	$16,721
Ambetter (Centene)	Standard Expanded Bronze	Expanded Bronze	HMO	$511	$7,500	$10,000	$16,132
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$518	$5,500	$10,600	$16,815
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Expanded Bronze	HMO	$522	$7,500	$10,000	$16,268
Ambetter (Centene)	Everyday Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$523	$8,450	$10,150	$16,429
Ambetter (Centene)	Standard Expanded Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$525	$7,500	$10,000	$16,298
Wellpoint (Elevance Health)	Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Expanded Bronze	HMO	$527	$5,500	$10,600	$16,930
Florida Blue	myBlue Bronze 26M01-23 (Rewards)	Bronze	HMO	$530	$10,125	$10,150	$16,506
Oscar Health	Bronze Simple Breathe Easy with Enhanced COPD Benefits	Expanded Bronze	HMO	$561	$9,000	$10,600	$17,328
Ambetter (Centene)	Elite Bronze	Expanded Bronze	HMO	$582	$0	$10,500	$17,483
Oscar Health	Bronze Classic Standard \| with AdventHealth	Expanded Bronze	HMO	$591	$7,500	$10,000	$17,095
Molina Healthcare	Molina Bronze Standard	Expanded Bronze	HMO	$592	$7,500	$10,000	$17,108
Ambetter (Centene)	Elite Bronze + Vision + Adult Dental	Expanded Bronze	HMO	$598	$0	$10,500	$17,672
Florida Blue	myBlue Bronze 2219 ($75 PCP Visits / Rewards)	Expanded Bronze	HMO	$603	$2,625	$10,150	$17,391
Florida Blue	myBlue Bronze 2312S ($50 PCP Visits / Rewards)	Expanded Bronze	HMO	$604	$7,500	$10,000	$17,252
Oscar Health	Bronze Classic 4700 \| with AdventHealth	Expanded Bronze	HMO	$606	$4,700	$9,200	$16,474
Molina Healthcare	Molina Bronze Enhanced 3500	Expanded Bronze	HMO	$607	$3,500	$9,950	$17,233
Florida Blue	myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards)	Expanded Bronze	HMO	$611	$6,000	$10,150	$17,483
Molina Healthcare	Molina Bronze Enhanced 3500 Pluswith Adult Vision	Expanded Bronze	HMO	$611	$3,500	$9,950	$17,283
Oscar Health	Bronze Classic Standard	Expanded Bronze	HMO	$620	$7,500	$10,000	$17,440
Molina Healthcare	Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision	Expanded Bronze	HMO	$626	$3,500	$9,950	$17,462
Oscar Health	Bronze Simple Diabetes	Expanded Bronze	HMO	$628	$5,500	$10,150	$17,683
Oscar Health	Bronze Simple Chronic Care CKM	Expanded Bronze	HMO	$635	$5,500	$10,150	$17,775
Oscar Health	Bronze Elite + PCP Saver Plus \| with AdventHealth	Expanded Bronze	HMO	$643	$0	$10,600	$18,315
Ambetter (Centene)	Clarity Silver	Silver	HMO	$647	$8,000	$8,400	$16,164
Florida Blue	BlueCare Bronze 24K01-05 (Rewards)	Bronze	POS	$650	$6,150	$10,150	$17,949
Florida Blue	myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards)	Expanded Bronze	HMO	$653	$0	$10,150	$17,981
Florida Blue	myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards)	Expanded Bronze	HMO	$657	$0	$10,150	$18,029
Wellpoint (Elevance Health)	Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$661	$3,500	$10,150	$18,082
Wellpoint (Elevance Health)	Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$664	$1,850	$9,100	$17,063
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible	Expanded Bronze	HMO	$664	$0	$10,350	$18,315
Florida Blue	myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)	Expanded Bronze	HMO	$665	$0	$10,150	$18,128
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision	Expanded Bronze	HMO	$668	$0	$10,350	$18,366
Wellpoint (Elevance Health)	Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Silver	HMO	$671	$3,500	$10,150	$18,198
Ambetter (Centene)	Standard Gold	Gold	HMO	$675	$2,000	$8,200	$16,304
Wellpoint (Elevance Health)	Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Silver	HMO	$675	$6,000	$8,900	$17,005
Molina Healthcare	Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision	Expanded Bronze	HMO	$683	$0	$10,350	$18,545
UnitedHealthcare	UHC Bronze Essential- ($0 Virtual Urgent Care)	Bronze	HMO	$684	$10,600	$10,600	$18,812
UnitedHealthcare	UHC Bronze Essential ($0 Virtual Urgent Care)	Bronze	HMO	$684	$10,600	$10,600	$18,813
Florida Blue	BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx)	Expanded Bronze	POS	$686	$6,650	$7,400	$15,635
Florida Blue	BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards)	Expanded Bronze	POS	$686	$7,500	$10,000	$18,237
Ambetter (Centene)	Everyday Gold	Gold	HMO	$690	$800	$7,250	$15,530
Ambetter (Centene)	Standard Silver	Silver	HMO	$690	$6,000	$8,900	$17,181
Ambetter (Centene)	Standard Gold + Vision + Adult Dental	Gold	HMO	$694	$2,000	$8,200	$16,524
Florida Blue	myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards)	Silver	HMO	$695	$9,500	$10,150	$18,487
Oscar Health	Gold Simple \| with AdventHealth	Gold	HMO	$697	$3,000	$9,950	$18,319
Florida Blue	BlueSelect Bronze 24L01-01 (Rewards)	Bronze	EPO	$697	$6,150	$10,150	$18,520
Ambetter (Centene)	Focused Silver	Silver	HMO	$698	$6,300	$8,400	$16,781
Florida Blue	myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards)	Silver	HMO	$699	$9,500	$10,150	$18,537
Oscar Health	Gold Elite Saver Plus \| with AdventHealth	Gold	HMO	$699	$0	$9,500	$17,893
Florida Blue	BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	POS	$702	$6,500	$10,000	$18,424
Florida Blue	myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards)	Silver	HMO	$706	$7,000	$9,150	$17,616
Florida Blue	myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards)	Silver	HMO	$707	$9,500	$10,150	$18,637
Ambetter (Centene)	Everyday Gold + Vision + Adult Dental	Gold	HMO	$709	$800	$7,250	$15,754
Ambetter (Centene)	Standard Silver + Vision + Adult Dental	Silver	HMO	$709	$6,000	$8,900	$17,405
Florida Blue	myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards)	Silver	HMO	$710	$7,000	$9,150	$17,664
Ambetter (Centene)	Enhanced Diabetes Care Silver with $0 Drug Options	Silver	HMO	$710	$5,000	$8,650	$17,170
Ambetter (Centene)	Complete Gold	Gold	HMO	$713	$1,450	$7,500	$16,056
UnitedHealthcare	UHC Bronze Standard	Expanded Bronze	HMO	$717	$7,500	$10,000	$18,604
Ambetter (Centene)	Focused Silver + Vision + Adult Dental	Silver	HMO	$717	$6,300	$8,400	$17,008
Florida Blue	myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards)	Silver	HMO	$718	$7,000	$9,150	$17,764
Florida Blue	myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards)	Silver	HMO	$721	$6,500	$9,200	$17,853
Wellpoint (Elevance Health)	Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$723	$800	$9,000	$17,678
Florida Blue	BlueSelect Bronze 2342S ($50 PCP Visits / Rewards)	Expanded Bronze	EPO	$724	$7,500	$10,000	$18,685
Florida Blue	myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards)	Silver	HMO	$725	$6,500	$9,200	$17,901
Florida Blue	myBlue Silver 2237 ($60 PCP Visits / Rewards)	Silver	HMO	$729	$3,150	$8,675	$17,420
Ambetter (Centene)	Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental	Silver	HMO	$729	$5,000	$8,650	$17,400
Florida Blue	BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)	Expanded Bronze	EPO	$730	$6,650	$7,400	$16,160
Wellpoint (Elevance Health)	Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$730	$800	$9,000	$17,763
Ambetter (Centene)	Complete Gold + Vision + Adult Dental	Gold	HMO	$732	$1,450	$7,500	$16,288
Oscar Health	Gold Classic Standard \| with AdventHealth	Gold	HMO	$733	$2,000	$8,200	$16,992
Florida Blue	myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards)	Silver	HMO	$733	$3,150	$8,675	$17,468
Florida Blue	myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards)	Silver	HMO	$733	$6,500	$9,200	$18,000
Florida Blue	BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	EPO	$735	$6,500	$10,000	$18,822
Wellpoint (Elevance Health)	Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard	Gold	HMO	$738	$2,000	$8,200	$17,056
Wellpoint (Elevance Health)	Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)	Gold	HMO	$739	$1,400	$5,000	$13,869
Florida Blue	myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards)	Silver	HMO	$741	$3,150	$8,675	$17,568
Florida Blue	myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	HMO	$741	$6,000	$8,900	$17,797
Florida Blue	BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards)	Expanded Bronze	POS	$742	$0	$9,900	$18,803
UnitedHealthcare	UHC Bronze Standard+ (Dental + Vision)	Expanded Bronze	HMO	$742	$7,500	$10,000	$18,907
UnitedHealthcare	UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)	Expanded Bronze	HMO	$743	$0	$10,600	$19,515
Molina Healthcare	Molina Silver Saver with Four Free PCP Visits	Silver	HMO	$750	$7,000	$10,150	$19,147
Molina Healthcare	Molina Silver Core	Silver	HMO	$756	$6,000	$8,990	$18,056
Molina Healthcare	Molina Silver Core Pluswith Adult Vision	Silver	HMO	$760	$6,000	$8,990	$18,107
Oscar Health	Silver Simple PCP Saver \| with AdventHealth	Silver	HMO	$765	$5,000	$9,250	$18,427
Florida Blue	BlueSelect Bronze 2139 ($50 PCP Visits / Rewards)	Expanded Bronze	EPO	$767	$0	$9,900	$19,099
UnitedHealthcare	UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)	Expanded Bronze	HMO	$768	$0	$10,600	$19,818
Oscar Health	Gold Classic Standard	Gold	HMO	$769	$2,000	$8,200	$17,430
Florida Blue	BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards)	Expanded Bronze	EPO	$771	$0	$9,900	$19,148
Oscar Health	Silver Classic Standard \| with AdventHealth	Silver	HMO	$772	$6,000	$8,900	$18,159
Oscar Health	Silver Simple Diabetes \| with AdventHealth	Silver	HMO	$772	$6,500	$10,000	$19,265
Oscar Health	Silver Simple Chronic Care CKM \| with AdventHealth	Silver	HMO	$774	$5,900	$10,150	$19,433
Molina Healthcare	Molina Silver Core Plus with Adult Dental and Vision	Silver	HMO	$775	$6,000	$8,990	$18,285
Florida Blue	BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards)	Expanded Bronze	EPO	$779	$0	$9,900	$19,246
Oscar Health	Silver Elite \| with AdventHealth	Silver	HMO	$781	$5,000	$9,850	$19,219
Molina Healthcare	Molina Silver Standard	Silver	HMO	$781	$6,000	$8,900	$18,275
Molina Healthcare	Molina Gold Enhanced 895	Gold	HMO	$793	$895	$8,700	$18,218
Molina Healthcare	Molina Gold Core 1640	Gold	HMO	$794	$1,640	$8,100	$17,625
Molina Healthcare	Molina Gold Enhanced 895 Pluswith Adult Vision	Gold	HMO	$797	$895	$8,700	$18,268
Molina Healthcare	Molina Gold Core 1640 Pluswith Adult Vision	Gold	HMO	$798	$1,640	$8,100	$17,676
Oscar Health	Silver Classic Standard	Silver	HMO	$810	$6,000	$8,900	$18,624
Oscar Health	Silver Simple Breathe Easy with Enhanced COPD Benefits	Silver	HMO	$810	$6,200	$9,600	$19,326
Oscar Health	Silver Simple Women's Health with Menopause Benefits	Silver	HMO	$812	$6,000	$10,150	$19,889
Molina Healthcare	Molina Gold Enhanced 895 Plus with Adult Dental and Vision	Gold	HMO	$812	$895	$8,700	$18,447
Molina Healthcare	Molina Gold Core 1640 Plus with Adult Dental and Vision	Gold	HMO	$813	$1,640	$8,100	$17,854
Molina Healthcare	Molina Gold Standard	Gold	HMO	$830	$2,000	$8,200	$18,164
Florida Blue	myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	HMO	$879	$2,000	$8,200	$18,751
Florida Blue	myBlue Gold 1605 ($0 Labs / Rewards)	Gold	HMO	$894	$940	$4,500	$15,230
Florida Blue	BlueCare Silver 24K01-02 ($10 Labs / Rewards)	Silver	POS	$895	$4,000	$8,100	$18,836
UnitedHealthcare	UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)	Silver	HMO	$906	$4,500	$9,900	$20,768
Florida Blue	BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	POS	$925	$6,000	$8,900	$19,997
Florida Blue	myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards)	Gold	HMO	$926	$0	$6,550	$17,662
Florida Blue	BlueOptions Bronze 24J01-06 (Rewards)	Bronze	PPO	$927	$6,150	$10,150	$21,273
UnitedHealthcare	UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	Silver	HMO	$931	$4,500	$9,900	$21,071
Florida Blue	BlueSelect Silver 1443 ($10 Labs / Rewards)	Silver	EPO	$935	$4,000	$8,100	$19,317
Florida Blue	BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards)	Silver	POS	$937	$3,125	$8,100	$19,340
Florida Blue	BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards)	Silver	EPO	$939	$4,000	$8,100	$19,367
Florida Blue	BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards)	Silver	EPO	$947	$4,000	$8,100	$19,466
Florida Blue	BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	EPO	$950	$6,000	$8,900	$20,303
UnitedHealthcare	UHC Silver Standard-	Silver	HMO	$951	$6,000	$8,900	$20,316
UnitedHealthcare	UHC Silver Standard	Silver	HMO	$951	$6,000	$8,900	$20,317
Florida Blue	BlueSelect Silver 1456 ($50 PCP Visits / Rewards)	Silver	EPO	$961	$3,125	$8,100	$19,632
Florida Blue	BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)	Expanded Bronze	PPO	$962	$7,500	$10,000	$21,541
UnitedHealthcare	UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)	Silver	HMO	$964	$2,700	$10,350	$21,919
Florida Blue	BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)	Expanded Bronze	PPO	$970	$6,650	$7,400	$19,043
UnitedHealthcare	UHC Silver Standard+ (Dental + Vision)	Silver	HMO	$977	$6,000	$8,900	$20,620
Florida Blue	BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)	Expanded Bronze	PPO	$977	$6,500	$10,000	$21,727
UnitedHealthcare	UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	Silver	HMO	$989	$2,700	$10,350	$22,222
Florida Blue	BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)	Expanded Bronze	PPO	$1,021	$0	$9,900	$22,149
Florida Blue	BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	POS	$1,022	$2,000	$8,200	$20,470
UnitedHealthcare	UHC Gold Standard	Gold	HMO	$1,035	$2,000	$8,200	$20,625
UnitedHealthcare	UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)	Gold	HMO	$1,044	$0	$10,600	$23,132
Florida Blue	BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	POS	$1,048	$1,500	$6,450	$19,022
Florida Blue	BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	EPO	$1,051	$2,000	$8,200	$20,815
UnitedHealthcare	UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)	Gold	HMO	$1,063	$500	$9,000	$21,760
Florida Blue	BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	EPO	$1,076	$1,500	$6,450	$19,363
Florida Blue	BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	POS	$1,084	$0	$6,250	$19,263
UnitedHealthcare	UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)	Gold	HMO	$1,089	$500	$9,000	$22,063
Florida Blue	BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	EPO	$1,104	$0	$6,250	$19,504
Florida Blue	BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards)	Gold	EPO	$1,109	$0	$6,250	$19,553
Florida Blue	myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	HMO	$1,198	$0	$2,250	$16,628
Florida Blue	myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	HMO	$1,255	$0	$5,200	$20,261
Florida Blue	BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	POS	$1,280	$1,000	$4,000	$19,354
Florida Blue	BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	POS	$1,328	$0	$2,525	$18,464
Florida Blue	BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	EPO	$1,377	$1,000	$4,000	$20,525
Florida Blue	BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	POS	$1,392	$0	$5,200	$21,903
Florida Blue	BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	EPO	$1,415	$0	$2,525	$19,508
Florida Blue	BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	EPO	$1,475	$0	$5,200	$22,899
Florida Blue	BlueOptions Silver 24J01-03 ($10 Labs / Rewards)	Silver	PPO	$1,499	$4,000	$8,100	$26,082
Florida Blue	BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)	Gold	PPO	$1,575	$2,000	$8,200	$27,099
Florida Blue	BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)	Silver	PPO	$1,601	$6,000	$8,900	$28,107
Florida Blue	BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)	Gold	PPO	$1,612	$1,500	$6,450	$25,798
Florida Blue	BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)	Silver	PPO	$1,619	$3,125	$8,100	$27,530
Florida Blue	BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)	Gold	PPO	$1,656	$0	$6,250	$26,123
Florida Blue	BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)	Platinum	PPO	$2,092	$1,000	$4,000	$29,099
Florida Blue	BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)	Platinum	PPO	$2,152	$0	$2,525	$28,347
Florida Blue	BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)	Platinum	PPO	$2,242	$0	$5,200	$32,106

Deductibles and a bad year, by metal level

Metal	Lowest	Typical*	Highest	Plans	Typical deductible	Typical out-of-pocket max	Typical bad year**
Bronze	$509	$655	$1,021	54	$6,075	$10,075	$17,965
Silver	$647	$765	$1,619	55	$6,000	$8,900	$18,487
Gold	$675	$813	$1,656	38	$1,450	$8,200	$18,191
Platinum	$1,198	$1,392	$2,242	11	$0	$4,000	$20,525
CatastrophicUnder 30 or hardship exemption only	$481	$481	$481	1	$10,600	$10,600	$16,371

* 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 $655/mo with a legal out-of-pocket cap; a bad year ≈ $17,965 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