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2027 ACA marketplace plans in Bay County, Florida

Updated with 2027 plan data from HealthCare.gov.

Bay County, Florida has 128 ACA marketplace plans from 5 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $418 to $2,555 and a benchmark (second-lowest-cost silver) plan at $678 per month, before any premium tax credit, per HealthCare.gov plan data. For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.

Plan data retrieved November 2, 2026 from HealthCare.gov. Premiums shown are full price for one 40-year-old non-smoker, before any premium tax credit.

2027 plan table

IssuerPlanMetalAge 40DeductibleMOOP
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards)Catastrophic$417.55$12,000$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Bronze (HSA) 27M07-30 (Rewards)Bronze$522.45$11,975$12,000
Ambetter HealthSignature Expanded BronzeBronze$529.08$7,500$12,000
Ambetter HealthEveryday BronzeBronze$530.92$9,350$11,000
Ambetter HealthSignature Expanded Bronze + Vision + Adult DentalBronze$542.93$7,500$12,000
Ambetter HealthEveryday Bronze + Vision + Adult DentalBronze$544.82$9,350$11,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze (HSA) 2219 (Rewards)Bronze$560.05$3,350$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze (HSA) 1601 (3 PCP Visits for $0 then $25 / Rewards)Bronze$575.04$7,300$12,000
Oscar Health Maintenance Organization of FloridaBronze Simple Breathe Easy with Enhanced COPD BenefitsBronze$575.18$9,000$12,000
Ambetter HealthElite BronzeBronze$586.21$0$11,800
Ambetter HealthElite Bronze + Vision + Adult DentalBronze$601.56$0$11,800
Oscar Health Maintenance Organization of FloridaBronze Classic 4700Bronze$601.81$4,700$12,000
Oscar Health Maintenance Organization of FloridaBronze Classic StandardBronze$602.41$7,500$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze (HSA) 2129 ($35 PCP Visits / Rewards)Bronze$603.87$0$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze (HSA) 2129V ($35 PCP Visits / Adult Vision / Rewards)Bronze$611.19$0$12,000
Oscar Health Maintenance Organization of FloridaBronze Simple DiabetesBronze$614.67$5,500$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Bronze (HSA) 27M07-99S ($50 PCP Visits / Rewards)Bronze$614.96$7,500$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze (HSA) 2129E ($35 PCP Visits / Adult Dental & Vision / Rewards)Bronze$617.98$0$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze (HSA) 2312S ($50 PCP Visits / Rewards)Bronze$619.73$7,500$12,000
Oscar Health Maintenance Organization of FloridaBronze Simple Chronic Care CKMBronze$626.04$5,500$12,000
Oscar Health Maintenance Organization of FloridaBronze Simple Diabetes with Adult Dental & VisionBronze$634.91$5,500$12,000
Oscar Health Maintenance Organization of FloridaBronze Elite + PCP Saver PlusBronze$637.91$0$12,000
Ambetter HealthClarity SilverSilver$642.30$8,000$9,400
Oscar Health Maintenance Organization of FloridaBronze Elite + PCP Saver Plus with Adult Dental & VisionBronze$658.16$0$12,000
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze (HSA) 27L01-01 (Rewards)Bronze$659.33$8,000$11,150
Ambetter HealthSignature SilverSilver$678.48$6,400$10,300
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze (HSA) 27L01-02 (Rewards / $4 select RX)Bronze$683.99$7,175$8,275
Ambetter HealthFocused SilverSilver$684.07$6,300$9,600
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze (HSA) 27L01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)Bronze$690.71$6,500$11,025
Ambetter HealthEnhanced Diabetes Care Silver $0 Rx OptionsSilver$693.48$5,000$10,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Silver 27M07-01 ($5 PCP Visits / $5 Labs / Rewards)Silver$693.89$11,925$11,950
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze (HSA) 27L01-99S ($50 PCP Visits / Rewards)Bronze$695.39$7,500$12,000
Ambetter HealthSignature Silver + Vision + Adult DentalSilver$696.24$6,400$10,300
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Silver 27M07-01V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards)Silver$698.67$11,925$11,950
Ambetter HealthFocused Silver + Vision + Adult DentalSilver$701.98$6,300$9,600
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze (HSA) 27L01-04 ($40 PCP Visits / Rewards)Bronze$703.97$0$12,000
WellpointWellpoint Essential Catastrophic HSA (+ Incentives)Catastrophic$704.51$12,000$12,000
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze (HSA) 27L01-04V ($40 PCP Visits / Adult Vision / Rewards)Bronze$707.22$0$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Silver 27M07-01E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards)Silver$707.72$11,925$11,950
Ambetter HealthSignature GoldGold$708.06$2,500$8,600
Ambetter HealthEnhanced Diabetes Care Silver $0 Rx Options + Vision + Adult DentalSilver$711.63$5,000$10,000
Oscar Health Maintenance Organization of FloridaGold BasicGold$712.83$0$11,400
WellpointWellpoint Essential Bronze 6000 HSA ($0 Select Drugs + Incentives)Bronze$713.30$6,000$12,000
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze (HSA) 27L01-04E ($40 PCP Visits / Adult Dental & Vision / Rewards)Bronze$713.99$0$12,000
Ambetter HealthEveryday GoldGold$715.93$800$7,250
Ambetter HealthComplete GoldGold$721.20$1,450$9,500
WellpointWellpoint Essential Bronze 7500 HSA ($0 Select Drugs + Incentives) StandardBronze$721.38$7,500$12,000
WellpointWellpoint Essential Bronze 5500 HSA ($0 Select Drugs + Incentives)Bronze$726.27$5,500$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Bronze (HSA) 24K01-05 (Rewards)Bronze$726.31$10,000$11,750
Ambetter HealthSignature Gold + Vision + Adult DentalGold$726.59$2,500$8,600
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 27M01-15 ($5 PCP Visits / $5 Labs / Rewards)Silver$728.11$9,600$11,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 27M01-15V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards)Silver$732.79$9,600$11,000
Ambetter HealthEveryday Gold + Vision + Adult DentalGold$734.67$800$7,250
WellpointWellpoint Essential Bronze 5500 HSA Adult Dental/Vision ($0 Select Drugs + Incentives)Bronze$738.34$5,500$12,000
Ambetter HealthComplete Gold + Vision + Adult DentalGold$740.07$1,450$9,500
WellpointWellpoint Heart Healthy Essential Bronze 4500 HSA ($0 Select Drugs + Incentives)Bronze$741.92$4,500$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 27M01-15E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards)Silver$742.06$9,600$11,000
Oscar Health Maintenance Organization of FloridaGold Classic StandardGold$745.29$2,500$8,600
Oscar Health Maintenance Organization of FloridaGold Simple DiabetesGold$747.64$2,000$10,600
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 27M01-13 ($50 PCP Visits / $80 Specialist Visits / $15 Labs / Rewards)Silver$753.79$6,400$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 27M01-13V ($50 PCP Visits / $80 Specialist Visits / $15 Labs / Adult Vision / Rewards)Silver$758.49$6,400$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Bronze (HSA) 24K01-03 (3 PCP Visits for $0 then $55 / Rewards)Bronze$763.54$7,300$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 27M01-13E ($50 PCP Visits / $80 Specialist Visits / $15 Labs / Adult Dental & Vision / Rewards)Silver$767.84$6,400$10,150
Oscar Health Maintenance Organization of FloridaGold SImple Diabetes with Adult Dental & VisionGold$767.88$2,000$10,600
Oscar Health Maintenance Organization of FloridaSilver Simple PCP SaverSilver$769.15$5,750$10,000
Oscar Health Maintenance Organization of FloridaSilver Classic StandardSilver$770.54$6,400$10,300
Oscar Health Maintenance Organization of FloridaSilver Core PlanSilver$771.22$9,000$10,300
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2237 ($60 PCP Visits / Rewards)Silver$772.99$4,000$8,900
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards)Silver$777.65$4,000$8,900
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Bronze (HSA) 24K01-31S ($50 PCP Visits / Rewards)Bronze$778.92$7,500$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Silver 27M07-98S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$783.16$6,400$10,300
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Bronze (HSA) 24K01-09 (Rewards / $10 select RX)Bronze$785.89$8,425$8,450
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards)Silver$787.01$4,000$8,900
Oscar Health Maintenance Organization of FloridaSilver Simple DiabetesSilver$788.75$6,500$10,600
Oscar Health Maintenance Organization of FloridaSilver Simple Breathe Easy with Enhanced COPD BenefitsSilver$790.70$6,200$10,300
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$795.07$6,400$10,300
Oscar Health Maintenance Organization of FloridaSilver Simple Women's Health with Menopause BenefitsSilver$795.59$6,000$10,600
Oscar Health Maintenance Organization of FloridaSilver Simple Chronic Care CKMSilver$795.93$6,500$10,500
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Bronze (HSA) 24K01-25 ($50 PCP Visits / Rewards)Bronze$798.11$0$12,000
Oscar Health Maintenance Organization of FloridaSilver Simple Diabetes with Adult Dental & VisionSilver$809.00$6,500$10,600
WellpointWellpoint Essential Silver 6400 ($0 Select Drugs + Incentives) StandardSilver$904.72$6,400$10,300
WellpointWellpoint Heart Healthy Essential Silver 5000 ($0 Select Drugs + Incentives)Silver$922.33$5,000$10,000
WellpointWellpoint Essential Silver 3500 ($0 Select Drugs + Incentives)Silver$932.85$3,500$12,000
WellpointWellpoint Essential Silver 1850 ($0 Select Drugs + Incentives)Silver$938.96$1,850$10,000
WellpointWellpoint Essential Silver 3500 Adult Dental/Vision ($0 Select Drugs + Incentives)Silver$944.91$3,500$12,000
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 27L01-05 ($20 Labs / Rewards)Silver$959.14$3,675$8,100
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 27L01-05V ($20 Labs / Adult Vision / Rewards)Silver$964.07$3,675$8,100
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 27L01-05E ($20 Labs / Adult Dental & Vision / Rewards)Silver$973.61$3,675$8,100
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 27L01-06 ($25 PCP Visits / $40 Specialist Visits / Rewards)Silver$986.56$3,575$8,575
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 27L01-98S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$1,009.76$6,400$10,300
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze (HSA) 24J01-06 (Rewards)Bronze$1,010.20$8,000$11,150
WellpointWellpoint Essential Gold 800 ($0 Select Drugs + Incentives)Gold$1,029.29$800$9,000
WellpointWellpoint Essential Gold 2500 ($0 Select Drugs + Incentives) StandardGold$1,040.13$2,500$8,600
WellpointWellpoint Essential Gold 800 Adult Dental/Vision ($0 Select Drugs + Incentives)Gold$1,041.26$800$9,000
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze (HSA) 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)Bronze$1,049.21$6,500$11,025
WellpointWellpoint Essential Gold 1400 ($0 Select Drugs + Incentives)Gold$1,053.08$1,400$5,000
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Silver 24K01-02 (Rewards)Silver$1,053.83$4,000$8,175
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 select RX)Bronze$1,068.63$7,175$8,275
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Silver 24K01-06 ($25 PCP Visits / $40 Specialist Visits / Rewards)Silver$1,070.91$4,000$10,550
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze (HSA) 24J01-18S ($50 PCP Visits / Rewards)Bronze$1,074.24$7,500$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$1,079.30$6,400$10,300
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze (HSA) 24J01-17 ($40 PCP Visits / Rewards)Bronze$1,083.32$0$12,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Gold 27M07-05 ($10 Labs / Rewards)Gold$1,170.93$1,500$5,500
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Gold 1605 ($10 Labs / Rewards)Gold$1,174.41$1,500$5,500
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Essentials Gold 27M07-97S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$1,201.44$2,500$8,600
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$1,213.64$2,500$8,600
Florida Blue (BlueCross BlueShield FL)BlueSelect Gold 27L01-07 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)Gold$1,248.32$2,100$7,050
Florida Blue (BlueCross BlueShield FL)BlueSelect Gold 27L01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)Gold$1,272.15$0$7,300
Florida Blue (BlueCross BlueShield FL)BlueSelect Gold 27L01-08V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards)Gold$1,275.64$0$7,300
Florida Blue (BlueCross BlueShield FL)BlueSelect Gold 27L01-97S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$1,309.13$2,500$8,600
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Gold 24K01-10 ($45 PCP Visits / $80 Specialist Visits / $20 Labs / Rewards)Gold$1,385.35$1,500$6,450
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)Gold$1,397.33$0$7,950
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$1,417.93$2,500$8,600
Florida Blue (BlueCross BlueShield FL)BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Platinum$1,605.68$1,500$4,250
Florida Blue (BlueCross BlueShield FL)BlueSelect Platinum 27L01-10 ($0 Deductible / $15 PCP Visits / $25 Specialist Visits / $10 Labs / Rewards)Platinum$1,633.90$0$4,025
Florida Blue (BlueCross BlueShield FL)BlueSelect Platinum 27L01-96S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards)Platinum$1,694.78$0$5,900
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Platinum$1,714.12$1,000$4,000
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Platinum 24K01-07 ($0 Deductible / $15 PCP Visits / $25 Specialist Visits / $10 Labs / Rewards)Platinum$1,746.12$0$4,725
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-03 ($20 Labs / Rewards)Silver$1,839.03$3,675$8,100
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$1,845.80$6,400$10,300
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Platinum 24K01-34S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards)Platinum$1,847.36$0$5,900
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-07 ($25 PCP Visits / $40 Specialist Visits / Rewards)Silver$1,869.38$3,575$8,575
Florida Blue (BlueCross BlueShield FL)BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)Gold$1,874.52$2,100$7,050
Florida Blue (BlueCross BlueShield FL)BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)Gold$1,893.75$0$7,300
Florida Blue (BlueCross BlueShield FL)BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$1,940.99$2,500$8,600
Florida Blue (BlueCross BlueShield FL)BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Platinum$2,465.94$1,500$4,250
Florida Blue (BlueCross BlueShield FL)BlueOptions Platinum 24J01-08 ($0 Deductible / $15 PCP Visits / $25 Specialist Visits / $10 Labs / Rewards)Platinum$2,508.62$0$4,075
Florida Blue (BlueCross BlueShield FL)BlueOptions Platinum 24J01-21S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards)Platinum$2,554.81$0$5,900

Questions about 2027 plans in Bay County

How many ACA plans are available in Bay County for 2027?
Bay County, Florida has 128 ACA marketplace plans from 5 insurers for 2027, per HealthCare.gov plan data.
What is the 2027 benchmark (second-lowest-cost silver) premium in Bay County?
The 2027 benchmark (second-lowest-cost silver) premium in Bay County is $678 per month for a 40-year-old before tax credits.
What is the cheapest 2027 plan in Bay County?
The cheapest 2027 plan in Bay County is myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) from Florida Blue HMO (a BlueCross BlueShield FL company), a Catastrophic plan at $418 per month for a 40-year-old before tax credits.
When is Open Enrollment for 2027 coverage?
In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How do I get help choosing or enrolling?
For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116. You can also enroll yourself at HealthCare.gov.

Insurers in this county

Sources

  • HealthCare.gov plan data — plan, premium, deductible and out-of-pocket figures on this page come from the CMS Marketplace API that powers HealthCare.gov window shopping, refreshed at most every 24 hours.

See 2026 plans for Bay County →