What ACA marketplace plans are available in Palm Coast, Florida in 2026?
Palm Coast, Florida (population 98,258), covering ZIP codes 32135, 32137, 32142, 32143, 32164 sits in Flagler County, where 122 ACA marketplace plans from 6 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $697 per month for a 40-year-old. 2027 plans for Flagler County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Updated July 23, 2026 · Reviewed by Jason Burns, Editorial Steward
Reviewed by Heather Fabrizio, licensed in Florida (License #G064409) · reviewed Jul 25, 2026
Three lowest-cost silver plans at age 40
- Oscar Health Maintenance Organization of Florida — Silver Simple PCP Saver | with AdventHealth · $693.46/mo · deductible $5,000 · MOOP $9,250
- Health First Commercial Plans, Inc. — Silver Savings 1821 (Primary Care Copay, Open Access) · $696.53/mo · deductible $4,500 · MOOP $8,000
- Oscar Health Maintenance Organization of Florida — Silver Classic Standard | with AdventHealth · $699.66/mo · deductible $6,000 · MOOP $8,900
See the Palm Coast city page with stats and ZIP codes →
Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).