ACA marketplace plans in Citrus County, Florida (2026)
Citrus County, Florida has 106 ACA marketplace plans from 4 insurers in 2026, with monthly premiums for a 40-year-old ranging from $518 to $1,685 and a benchmark (second-lowest-cost silver) plan at $702 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 24L01-01 (Rewards) | Bronze | $410.23 | $524.27 | $1,113.36 | $6,150 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 26M01-23 (Rewards) | Bronze | $422.34 | $539.75 | $1,146.23 | $10,125 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze 24K01-05 (Rewards) | Bronze | $518.21 | $662.27 | $1,406.42 | $6,150 | $10,150 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-06 (Rewards) | Bronze | $545.20 | $696.77 | $1,479.67 | $6,150 | $10,150 |
| Ambetter Health | Everyday Bronze | Expanded Bronze | $405.67 | $518.43 | $1,100.95 | $8,450 | $10,150 |
| Ambetter Health | Standard Expanded Bronze | Expanded Bronze | $406.91 | $520.02 | $1,104.33 | $7,500 | $10,000 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $416.64 | $532.46 | $1,130.74 | $8,450 | $10,150 |
| Ambetter Health | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $417.92 | $534.09 | $1,134.20 | $7,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) | Expanded Bronze | $425.71 | $544.06 | $1,155.38 | $7,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) | Expanded Bronze | $429.36 | $548.72 | $1,165.28 | $6,650 | $7,400 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | $432.40 | $552.61 | $1,173.53 | $6,500 | $10,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | $440.06 | $562.38 | $1,194.29 | $9,000 | $10,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) | Expanded Bronze | $450.92 | $576.28 | $1,223.80 | $0 | $9,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) | Expanded Bronze | $453.31 | $579.33 | $1,230.28 | $0 | $9,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | $458.09 | $585.44 | $1,243.26 | $0 | $9,900 |
| Ambetter Health | Elite Bronze | Expanded Bronze | $463.36 | $592.17 | $1,257.54 | $0 | $10,500 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard | Expanded Bronze | $464.08 | $593.08 | $1,259.48 | $7,500 | $10,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic 4700 | Expanded Bronze | $467.90 | $597.96 | $1,269.85 | $4,700 | $10,150 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes | Expanded Bronze | $469.83 | $600.43 | $1,275.10 | $5,500 | $10,150 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Chronic Care CKM | Expanded Bronze | $475.57 | $607.77 | $1,290.67 | $5,500 | $10,150 |
| Ambetter Health | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $475.90 | $608.19 | $1,291.57 | $0 | $10,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 2219 ($75 PCP Visits / Rewards) | Expanded Bronze | $481.14 | $614.90 | $1,305.81 | $2,625 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 2312S ($50 PCP Visits / Rewards) | Expanded Bronze | $481.85 | $615.80 | $1,307.74 | $7,500 | $10,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) | Expanded Bronze | $487.24 | $622.69 | $1,322.37 | $6,000 | $10,150 |
| Oscar Health Maintenance Organization of Florida | Bronze Elite + PCP Saver Plus | Expanded Bronze | $504.64 | $644.92 | $1,369.58 | $0 | $10,600 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) | Expanded Bronze | $520.30 | $664.94 | $1,412.09 | $0 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) | Expanded Bronze | $523.52 | $669.06 | $1,420.83 | $0 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | $530.13 | $677.51 | $1,438.77 | $0 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) | Expanded Bronze | $547.20 | $699.32 | $1,485.10 | $6,650 | $7,400 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) | Expanded Bronze | $547.28 | $699.42 | $1,485.32 | $7,500 | $10,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | $559.76 | $715.37 | $1,519.19 | $6,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) | Expanded Bronze | $565.69 | $722.95 | $1,535.28 | $7,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) | Expanded Bronze | $570.70 | $729.35 | $1,548.88 | $6,650 | $7,400 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | $574.82 | $734.62 | $1,560.06 | $6,500 | $10,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) | Expanded Bronze | $591.56 | $756.01 | $1,605.49 | $0 | $9,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) | Expanded Bronze | $600.40 | $767.31 | $1,629.49 | $0 | $9,900 |
| Ambetter Health | Standard Gold | Gold | $537.75 | $687.23 | $1,459.42 | $2,000 | $8,200 |
| Oscar Health Maintenance Organization of Florida | Gold Simple | Gold | $547.41 | $699.58 | $1,485.65 | $3,000 | $9,950 |
| Ambetter Health | Everyday Gold | Gold | $549.39 | $702.11 | $1,491.02 | $800 | $7,250 |
| Ambetter Health | Standard Gold + Vision + Adult Dental | Gold | $552.30 | $705.82 | $1,498.91 | $2,000 | $8,200 |
| Ambetter Health | Everyday Gold + Vision + Adult Dental | Gold | $564.26 | $721.11 | $1,531.36 | $800 | $7,250 |
| Ambetter Health | Complete Gold | Gold | $567.75 | $725.57 | $1,540.85 | $1,450 | $7,500 |
| Oscar Health Maintenance Organization of Florida | Gold Classic Standard | Gold | $575.04 | $734.89 | $1,560.64 | $2,000 | $8,200 |
| Ambetter Health | Complete Gold + Vision + Adult Dental | Gold | $583.11 | $745.20 | $1,582.54 | $1,450 | $7,500 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $618.33 | $790.23 | $1,678.15 | $2,000 | $8,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $632.96 | $808.92 | $1,717.85 | $1,500 | $6,450 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | $649.66 | $830.27 | $1,763.18 | $0 | $6,250 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) | Gold | $652.06 | $833.33 | $1,769.69 | $0 | $6,250 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $701.04 | $895.93 | $1,902.62 | $2,000 | $8,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Gold 1605 ($0 Labs / Rewards) | Gold | $712.99 | $911.20 | $1,935.05 | $940 | $4,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $738.32 | $943.57 | $2,003.80 | $0 | $6,550 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $815.26 | $1,041.90 | $2,212.62 | $2,000 | $8,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $835.34 | $1,067.56 | $2,267.11 | $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 | $864.66 | $1,105.04 | $2,346.69 | $0 | $6,250 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $926.32 | $1,183.84 | $2,514.03 | $2,000 | $8,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $948.33 | $1,211.97 | $2,573.77 | $1,500 | $6,450 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | $974.10 | $1,244.90 | $2,643.71 | $0 | $6,250 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $809.96 | $1,035.13 | $2,198.23 | $1,000 | $4,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | $832.43 | $1,063.85 | $2,259.22 | $0 | $2,525 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | $867.52 | $1,108.69 | $2,354.45 | $0 | $5,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | $955.34 | $1,220.92 | $2,592.79 | $0 | $2,250 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | $1,000.76 | $1,278.97 | $2,716.06 | $0 | $5,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $1,020.22 | $1,303.84 | $2,768.88 | $1,000 | $4,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | $1,059.05 | $1,353.47 | $2,874.26 | $0 | $2,525 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | $1,109.85 | $1,418.39 | $3,012.13 | $0 | $5,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $1,230.24 | $1,572.25 | $3,338.87 | $1,000 | $4,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | $1,265.67 | $1,617.53 | $3,435.03 | $0 | $2,525 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | $1,318.81 | $1,685.44 | $3,579.25 | $0 | $5,200 |
| Ambetter Health | Clarity Silver | Silver | $515.16 | $658.36 | $1,398.11 | $8,000 | $8,400 |
| Ambetter Health | Standard Silver | Silver | $549.48 | $702.23 | $1,491.27 | $6,000 | $8,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 1443 ($10 Labs / Rewards) | Silver | $549.83 | $702.68 | $1,492.24 | $4,000 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) | Silver | $552.25 | $705.78 | $1,498.81 | $4,000 | $8,100 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) | Silver | $553.93 | $707.92 | $1,503.37 | $9,500 | $10,150 |
| Ambetter Health | Focused Silver | Silver | $556.11 | $710.70 | $1,509.25 | $6,300 | $8,400 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) | Silver | $557.09 | $711.96 | $1,511.94 | $4,000 | $8,100 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) | Silver | $557.27 | $712.19 | $1,512.43 | $9,500 | $10,150 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $558.94 | $714.33 | $1,516.96 | $6,000 | $8,900 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) | Silver | $562.53 | $718.91 | $1,526.71 | $7,000 | $9,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) | Silver | $563.92 | $720.69 | $1,530.48 | $9,500 | $10,150 |
| Ambetter Health | Standard Silver + Vision + Adult Dental | Silver | $564.35 | $721.23 | $1,531.62 | $6,000 | $8,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 1456 ($50 PCP Visits / Rewards) | Silver | $565.25 | $722.39 | $1,534.09 | $3,125 | $8,100 |
| Ambetter Health | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | $565.32 | $722.46 | $1,534.24 | $5,000 | $8,650 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) | Silver | $565.73 | $723.00 | $1,535.39 | $7,000 | $9,150 |
| Ambetter Health | Focused Silver + Vision + Adult Dental | Silver | $571.15 | $729.92 | $1,550.09 | $6,300 | $8,400 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) | Silver | $572.37 | $731.49 | $1,553.41 | $7,000 | $9,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) | Silver | $574.92 | $734.75 | $1,560.33 | $6,500 | $9,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) | Silver | $578.13 | $738.85 | $1,569.04 | $6,500 | $9,200 |
| Ambetter Health | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $580.61 | $742.01 | $1,575.75 | $5,000 | $8,650 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237 ($60 PCP Visits / Rewards) | Silver | $581.08 | $742.62 | $1,577.05 | $3,150 | $8,675 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) | Silver | $584.28 | $746.71 | $1,585.74 | $3,150 | $8,675 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) | Silver | $584.75 | $747.31 | $1,587.01 | $6,500 | $9,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) | Silver | $590.90 | $755.17 | $1,603.70 | $3,150 | $8,675 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $591.16 | $755.50 | $1,604.41 | $6,000 | $8,900 |
| Oscar Health Maintenance Organization of Florida | Silver Simple PCP Saver | Silver | $600.27 | $767.13 | $1,629.11 | $5,000 | $9,250 |
| Oscar Health Maintenance Organization of Florida | Silver Classic Standard | Silver | $605.64 | $773.99 | $1,643.67 | $6,000 | $8,900 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | $605.76 | $774.15 | $1,644.01 | $6,200 | $9,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes | Silver | $605.98 | $774.43 | $1,644.59 | $6,500 | $10,000 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Women's Health with Menopause Benefits | Silver | $606.58 | $775.19 | $1,646.23 | $6,000 | $10,150 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Chronic Care CKM | Silver | $607.16 | $775.94 | $1,647.81 | $5,900 | $10,150 |
| Oscar Health Maintenance Organization of Florida | Silver Elite | Silver | $613.75 | $784.36 | $1,665.68 | $5,000 | $9,750 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-02 ($10 Labs / Rewards) | Silver | $713.33 | $911.64 | $1,935.98 | $4,000 | $8,100 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $737.37 | $942.36 | $2,001.22 | $6,000 | $8,900 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) | Silver | $746.87 | $954.50 | $2,027.01 | $3,125 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-03 ($10 Labs / Rewards) | Silver | $881.42 | $1,126.45 | $2,392.17 | $4,000 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $941.44 | $1,203.16 | $2,555.07 | $6,000 | $8,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) | Silver | $952.36 | $1,217.12 | $2,584.71 | $3,125 | $8,100 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.