2027 ACA marketplace plans in Monroe County, Florida
Updated with 2027 plan data from HealthCare.gov.
Monroe County, Florida has 53 ACA marketplace plans from 2 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $1,050 to $4,070 and a benchmark (second-lowest-cost silver) plan at $1,518 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
| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-01 (Rewards) | Bronze | $1,050.41 | $8,000 | $11,150 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-02 (Rewards / $4 select RX) | Bronze | $1,089.70 | $7,175 | $8,275 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Bronze | $1,100.41 | $6,500 | $11,025 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-99S ($50 PCP Visits / Rewards) | Bronze | $1,107.85 | $7,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04 ($40 PCP Visits / Rewards) | Bronze | $1,121.53 | $0 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04V ($40 PCP Visits / Adult Vision / Rewards) | Bronze | $1,126.71 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | $1,133.41 | $9,000 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04E ($40 PCP Visits / Adult Dental & Vision / Rewards) | Bronze | $1,137.50 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic 4700 | Bronze | $1,185.89 | $4,700 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard | Bronze | $1,187.07 | $7,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes | Bronze | $1,211.21 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Chronic Care CKM | Bronze | $1,233.62 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes with Adult Dental & Vision | Bronze | $1,251.10 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Elite + PCP Saver Plus | Bronze | $1,257.02 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Elite + PCP Saver Plus with Adult Dental & Vision | Bronze | $1,296.91 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Gold Basic | Gold | $1,404.64 | $0 | $11,400 |
| Oscar Health Maintenance Organization of Florida | Gold Classic Standard | Gold | $1,468.62 | $2,500 | $8,600 |
| Oscar Health Maintenance Organization of Florida | Gold Simple Diabetes | Gold | $1,473.24 | $2,000 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Gold SImple Diabetes with Adult Dental & Vision | Gold | $1,513.13 | $2,000 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple PCP Saver | Silver | $1,515.63 | $5,750 | $10,000 |
| Oscar Health Maintenance Organization of Florida | Silver Classic Standard | Silver | $1,518.37 | $6,400 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Silver Core Plan | Silver | $1,519.71 | $9,000 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05 ($20 Labs / Rewards) | Silver | $1,528.05 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05V ($20 Labs / Adult Vision / Rewards) | Silver | $1,535.93 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05E ($20 Labs / Adult Dental & Vision / Rewards) | Silver | $1,551.10 | $3,675 | $8,100 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes | Silver | $1,554.25 | $6,500 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | $1,558.08 | $6,200 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Women's Health with Menopause Benefits | Silver | $1,567.72 | $6,000 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Chronic Care CKM | Silver | $1,568.40 | $6,500 | $10,500 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-06 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $1,571.75 | $3,575 | $8,575 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes with Adult Dental & Vision | Silver | $1,594.15 | $6,500 | $10,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-98S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,608.71 | $6,400 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-06 (Rewards) | Bronze | $1,609.41 | $8,000 | $11,150 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Bronze | $1,671.56 | $6,500 | $11,025 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 select RX) | Bronze | $1,702.49 | $7,175 | $8,275 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-18S ($50 PCP Visits / Rewards) | Bronze | $1,711.42 | $7,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-17 ($40 PCP Visits / Rewards) | Bronze | $1,725.90 | $0 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-07 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,988.79 | $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 | $2,026.72 | $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 | $2,032.29 | $0 | $7,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-97S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $2,085.64 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $2,558.11 | $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 | $2,603.04 | $0 | $4,025 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-96S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $2,700.06 | $0 | $5,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-03 ($20 Labs / Rewards) | Silver | $2,929.87 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $2,940.64 | $6,400 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-07 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $2,978.23 | $3,575 | $8,575 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $2,986.39 | $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 | $3,017.05 | $0 | $7,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $3,092.30 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $3,928.64 | $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 | $3,996.63 | $0 | $4,075 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-21S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $4,070.21 | $0 | $5,900 |
Questions about 2027 plans in Monroe County
- How many ACA plans are available in Monroe County for 2027?
- Monroe County, Florida has 53 ACA marketplace plans from 2 insurers for 2027, per HealthCare.gov plan data.
- What is the 2027 benchmark (second-lowest-cost silver) premium in Monroe County?
- The 2027 benchmark (second-lowest-cost silver) premium in Monroe County is $1,518 per month for a 40-year-old before tax credits.
- What is the cheapest 2027 plan in Monroe County?
- The cheapest 2027 plan in Monroe County is BlueSelect Bronze (HSA) 27L01-01 (Rewards) from Florida Blue (BlueCross BlueShield FL), a Bronze plan at $1,050 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
- Florida Blue (BlueCross BlueShield FL) — all 2027 Florida Blue (BlueCross BlueShield FL) plans in Florida
- Oscar Health Maintenance Organization of Florida — all 2027 Oscar Health Maintenance Organization of Florida plans in Florida
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.