Health insurance prices in St. Lucie County, FL (2026)
115 marketplace plans from 5 insurers. Cheapest plan $531/mo; typical Silver $831/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 59.
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 $531–$987 (typical $683) · Silver $783–$1,565 (typical $831) · Gold $686–$1,601 (typical $931) · Platinum $1,356–$2,167 (typical $1,540) · Catastrophic $615–$615 (typical $615)
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 |
|---|---|---|---|---|---|---|---|
| Cigna HealthcareCigna Group | 15 | $531 | $540 | $795 | $703 | Connect Bronze Mid-South CMS Standard | |
| Florida BlueFlorida Blue (Blue Cross Blue Shield company) | 53 | $600 | $777 | $829 | $1,186 | myBlue Bronze 26M01-23 (Rewards) | |
| Oscar Health | 15 | $603 | $642 | $830 | $768 | Bronze Simple Breathe Easy with Enhanced COPD Benefits | |
| Wellpoint (Elevance Health) | 13 | $652 | $665 | $853 | $939 | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| Ambetter (Centene) | 19 | $663 | $682 | $922 | $912 | Everyday Bronze |
All 115 plans in St. Lucie County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Cigna Healthcare | Connect Bronze Mid-South CMS Standard | Expanded Bronze | EPO | $531 | $7,500 | $10,000 | $16,376 | |
| Cigna Healthcare | Connect Bronze Mid-South 5500 Indiv Med Deductible | Expanded Bronze | EPO | $539 | $5,500 | $9,500 | $15,972 | |
| Cigna Healthcare | Connect myDiabetesCare Bronze Mid-South | Expanded Bronze | EPO | $540 | $6,500 | $9,200 | $15,677 | |
| Cigna Healthcare | Connect Bronze Mid-South 0 Indiv Med Deductible | Expanded Bronze | EPO | $594 | $0 | $10,600 | $17,725 | |
| Florida Blue | myBlue Bronze 26M01-23 (Rewards) | Bronze | HMO | $600 | $10,125 | $10,150 | $17,345 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | HMO | $603 | $9,000 | $10,600 | $17,830 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Catastrophic (+ Incentives) | Catastrophic | HMO | $615 | $10,600 | $10,600 | $17,981 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | HMO | $635 | $7,500 | $10,000 | $17,625 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | HMO | $641 | $4,700 | $10,150 | $17,838 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | HMO | $643 | $5,500 | $10,150 | $17,870 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | HMO | $651 | $5,500 | $10,150 | $17,964 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $652 | $6,000 | $10,600 | $18,428 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $662 | $5,500 | $10,600 | $18,548 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $663 | $8,450 | $10,150 | $18,106 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $665 | $7,500 | $10,000 | $17,981 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard | Expanded Bronze | HMO | $668 | $7,500 | $10,000 | $18,017 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | HMO | $675 | $5,500 | $10,600 | $18,695 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $681 | $8,450 | $10,150 | $18,322 | |
| Florida Blue | myBlue Bronze 2219 ($75 PCP Visits / Rewards) | Expanded Bronze | HMO | $683 | $2,625 | $10,150 | $18,347 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $683 | $7,500 | $10,000 | $18,197 | |
| Florida Blue | myBlue Bronze 2312S ($50 PCP Visits / Rewards) | Expanded Bronze | HMO | $684 | $7,500 | $10,000 | $18,209 | |
| Cigna Healthcare | Partnered Care Premier Gold | Gold | HMO | $686 | $1,850 | $7,700 | $15,935 | |
| Cigna Healthcare | Connect Gold Mid-South 2250 Indiv Med Deductible | Gold | EPO | $688 | $2,250 | $9,450 | $17,704 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | HMO | $691 | $0 | $10,600 | $18,892 | |
| Florida Blue | myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) | Expanded Bronze | HMO | $692 | $6,000 | $10,150 | $18,450 | |
| Cigna Healthcare | Connect Gold Mid-South CMS Standard | Gold | EPO | $703 | $2,000 | $8,200 | $16,637 | |
| Cigna Healthcare | Partnered Care Gold CMS Standard | Gold | HMO | $704 | $2,000 | $8,200 | $16,646 | |
| Cigna Healthcare | Connect Gold Mid-South 850 Indiv Med Deductible | Gold | EPO | $735 | $850 | $8,550 | $17,370 | |
| Florida Blue | BlueCare Bronze 24K01-05 (Rewards) | Bronze | POS | $736 | $6,150 | $10,150 | $18,978 | |
| Florida Blue | myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) | Expanded Bronze | HMO | $739 | $0 | $10,150 | $19,014 | |
| Florida Blue | myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) | Expanded Bronze | HMO | $743 | $0 | $10,150 | $19,069 | |
| Oscar Health | Gold Simple | Gold | HMO | $750 | $3,000 | $9,950 | $18,944 | |
| Florida Blue | myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | HMO | $753 | $0 | $10,150 | $19,181 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $757 | $0 | $10,500 | $19,588 | |
| Florida Blue | BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) | Expanded Bronze | POS | $777 | $6,650 | $7,400 | $16,722 | |
| Florida Blue | BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) | Expanded Bronze | POS | $777 | $7,500 | $10,000 | $19,323 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $778 | $0 | $10,500 | $19,834 | |
| Cigna Healthcare | Partnered Care Classic Silver | Silver | HMO | $783 | $5,000 | $7,950 | $17,346 | |
| Cigna Healthcare | Partnered Care Premier Silver | Silver | HMO | $784 | $7,000 | $8,500 | $17,908 | |
| Florida Blue | myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) | Silver | HMO | $786 | $9,500 | $10,150 | $19,587 | |
| Oscar Health | Gold Classic Standard | Gold | HMO | $787 | $2,000 | $8,200 | $17,648 | |
| Florida Blue | myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) | Silver | HMO | $791 | $9,500 | $10,150 | $19,643 | |
| Cigna Healthcare | Connect Silver Mid-South 4500 Indiv Med Deductible | Silver | EPO | $794 | $4,500 | $9,350 | $18,881 | |
| Florida Blue | BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | POS | $795 | $6,500 | $10,000 | $19,536 | |
| Cigna Healthcare | Connect Silver Mid-South 3800 Indiv Med Deductible | Silver | EPO | $796 | $3,800 | $9,500 | $19,047 | |
| Florida Blue | myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) | Silver | HMO | $799 | $7,000 | $9,150 | $18,733 | |
| Florida Blue | myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) | Silver | HMO | $801 | $9,500 | $10,150 | $19,757 | |
| Cigna Healthcare | Connect Silver Mid-South CMS Standard | Silver | EPO | $802 | $6,000 | $8,900 | $18,523 | |
| Florida Blue | myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) | Silver | HMO | $803 | $7,000 | $9,150 | $18,788 | |
| Cigna Healthcare | Partnered Care Silver CMS Standard | Silver | HMO | $812 | $6,000 | $8,900 | $18,646 | |
| Florida Blue | myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) | Silver | HMO | $813 | $7,000 | $9,150 | $18,901 | |
| Florida Blue | myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) | Silver | HMO | $816 | $6,500 | $9,200 | $18,994 | |
| Florida Blue | myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) | Silver | HMO | $821 | $6,500 | $9,200 | $19,049 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $822 | $5,000 | $9,250 | $19,113 | |
| Florida Blue | myBlue Silver 2237 ($60 PCP Visits / Rewards) | Silver | HMO | $825 | $3,150 | $8,675 | $18,574 | |
| Oscar Health | Silver Classic Standard | Silver | HMO | $829 | $6,000 | $8,900 | $18,851 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | HMO | $829 | $6,200 | $9,600 | $19,553 | |
| Florida Blue | myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) | Silver | HMO | $829 | $3,150 | $8,675 | $18,629 | |
| Oscar Health | Silver Simple Diabetes | Silver | HMO | $830 | $6,500 | $10,000 | $19,957 | |
| Florida Blue | myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) | Silver | HMO | $830 | $6,500 | $9,200 | $19,162 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | HMO | $831 | $6,000 | $10,150 | $20,117 | |
| Oscar Health | Silver Simple Chronic Care CKM | Silver | HMO | $831 | $5,900 | $10,150 | $20,126 | |
| Florida Blue | myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) | Silver | HMO | $839 | $3,150 | $8,675 | $18,742 | |
| Florida Blue | myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | HMO | $839 | $6,000 | $8,900 | $18,971 | |
| Florida Blue | BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) | Expanded Bronze | POS | $840 | $0 | $9,900 | $19,978 | |
| Oscar Health | Silver Elite | Silver | HMO | $840 | $5,000 | $9,750 | $19,834 | |
| Ambetter (Centene) | Clarity Silver | Silver | HMO | $842 | $8,000 | $8,400 | $18,504 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $845 | $3,500 | $10,150 | $20,294 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $849 | $1,850 | $9,100 | $19,285 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | HMO | $858 | $3,500 | $10,150 | $20,443 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard | Silver | HMO | $864 | $6,000 | $8,900 | $19,266 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $879 | $2,000 | $8,200 | $18,747 | |
| Florida Blue | BlueOptions Bronze 24J01-06 (Rewards) | Bronze | PPO | $896 | $6,150 | $10,150 | $20,900 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $898 | $800 | $7,250 | $18,025 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $898 | $6,000 | $8,900 | $19,677 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $903 | $2,000 | $8,200 | $19,032 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $909 | $6,300 | $8,400 | $19,307 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $922 | $800 | $7,250 | $18,317 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $922 | $6,000 | $8,900 | $19,969 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | HMO | $924 | $5,000 | $8,650 | $19,738 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $925 | $800 | $9,000 | $20,099 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $928 | $1,450 | $7,500 | $18,635 | |
| Florida Blue | BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) | Expanded Bronze | PPO | $929 | $7,500 | $10,000 | $21,154 | |
| Ambetter (Centene) | Focused Silver + Vision + Adult Dental | Silver | HMO | $934 | $6,300 | $8,400 | $19,602 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $934 | $800 | $9,000 | $20,208 | |
| Florida Blue | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) | Expanded Bronze | PPO | $938 | $6,650 | $7,400 | $18,653 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard | Gold | HMO | $944 | $2,000 | $8,200 | $19,526 | |
| Florida Blue | BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | PPO | $944 | $6,500 | $10,000 | $21,334 | |
| Wellpoint (Elevance Health) | Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | HMO | $945 | $1,400 | $5,000 | $16,343 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | HMO | $949 | $5,000 | $8,650 | $20,038 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $953 | $1,450 | $7,500 | $18,936 | |
| Florida Blue | BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) | Expanded Bronze | PPO | $987 | $0 | $9,900 | $21,738 | |
| Florida Blue | myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | HMO | $995 | $2,000 | $8,200 | $20,143 | |
| Florida Blue | myBlue Gold 1605 ($0 Labs / Rewards) | Gold | HMO | $1,012 | $940 | $4,500 | $16,646 | |
| Florida Blue | BlueCare Silver 24K01-02 ($10 Labs / Rewards) | Silver | POS | $1,013 | $4,000 | $8,100 | $20,252 | |
| Florida Blue | BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | POS | $1,047 | $6,000 | $8,900 | $21,462 | |
| Florida Blue | myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) | Gold | HMO | $1,048 | $0 | $6,550 | $19,128 | |
| Florida Blue | BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) | Silver | POS | $1,060 | $3,125 | $8,100 | $20,823 | |
| Florida Blue | BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | POS | $1,157 | $2,000 | $8,200 | $22,089 | |
| Florida Blue | BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | POS | $1,186 | $1,500 | $6,450 | $20,681 | |
| Florida Blue | BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | POS | $1,228 | $0 | $6,250 | $20,980 | |
| Florida Blue | myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | HMO | $1,356 | $0 | $2,250 | $18,525 | |
| Florida Blue | myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | HMO | $1,421 | $0 | $5,200 | $22,249 | |
| Florida Blue | BlueOptions Silver 24J01-03 ($10 Labs / Rewards) | Silver | PPO | $1,448 | $4,000 | $8,100 | $25,479 | |
| Florida Blue | BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | POS | $1,448 | $1,000 | $4,000 | $21,380 | |
| Florida Blue | BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | POS | $1,503 | $0 | $2,525 | $20,567 | |
| Florida Blue | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | PPO | $1,522 | $2,000 | $8,200 | $26,464 | |
| Florida Blue | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | PPO | $1,547 | $6,000 | $8,900 | $27,463 | |
| Florida Blue | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | PPO | $1,558 | $1,500 | $6,450 | $25,148 | |
| Florida Blue | BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) | Silver | PPO | $1,565 | $3,125 | $8,100 | $26,878 | |
| Florida Blue | BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | POS | $1,576 | $0 | $5,200 | $24,107 | |
| Florida Blue | BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | PPO | $1,601 | $0 | $6,250 | $25,456 | |
| Florida Blue | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | PPO | $2,021 | $1,000 | $4,000 | $28,257 | |
| Florida Blue | BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | PPO | $2,080 | $0 | $2,525 | $27,480 | |
| Florida Blue | BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | PPO | $2,167 | $0 | $5,200 | $31,203 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $531 | $683 | $987 | 37 | $6,150 | $10,150 | $18,428 |
| Silver | $783 | $831 | $1,565 | 43 | $6,000 | $8,900 | $19,307 |
| Gold | $686 | $931 | $1,601 | 26 | $1,500 | $8,200 | $18,940 |
| Platinum | $1,356 | $1,540 | $2,167 | 8 | $0 | $4,000 | $23,178 |
| CatastrophicUnder 30 or hardship exemption only | $615 | $615 | $615 | 1 | $10,600 | $10,600 | $17,981 |
* 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.