ACA Direct Answers

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

Monroe County, Florida has 33 ACA marketplace plans from 1 insurers in 2026, with monthly premiums for a 40-year-old ranging from $949 to $3,051 and a benchmark (second-lowest-cost silver) plan at $1,278 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

  • Florida Blue (BlueCross BlueShield FL) — BlueSelect Silver 1443 ($10 Labs / Rewards) · $1,272.01/mo · deductible $4,000 · MOOP $8,100
  • Florida Blue (BlueCross BlueShield FL) — BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) · $1,277.62/mo · deductible $4,000 · MOOP $8,100
  • Florida Blue (BlueCross BlueShield FL) — BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) · $1,288.81/mo · deductible $4,000 · MOOP $8,100

See the full Monroe 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).