What ACA marketplace plans are available in Bay County, Florida in 2026?

Bay County, Florida has 106 ACA marketplace plans from 4 insurers in 2026, with monthly premiums for a 40-year-old ranging from $501 to $1,898 and a benchmark (second-lowest-cost silver) plan at $683 per month, per the CMS PY2026 QHP Landscape file.

Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward

Three lowest-cost silver plans at age 40

Ambetter Health — Clarity Silver · $639.86/mo · deductible $8,000 · MOOP $8,400
Ambetter Health — Standard Silver · $682.50/mo · deductible $6,000 · MOOP $8,900
Oscar Health Maintenance Organization of Florida — Silver Simple PCP Saver · $683.75/mo · deductible $5,000 · MOOP $9,250

See the full Bay County plan table with all issuers, metal tiers, and cost-sharing →

Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).