ACA marketplace plans in Collier County, Florida (2026)

Collier County, Florida has 131 ACA marketplace plans from 7 insurers in 2026, with monthly premiums for a 40-year-old ranging from $554 to $2,193 and a benchmark (second-lowest-cost silver) plan at $730 per month.

Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward

Plan table

IssuerPlanMetalAge 21Age 40Age 60DeductibleMOOP
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 26M02-24 (Rewards)Bronze$445.33$569.13$1,208.63$10,125$10,150
UnitedHealthcareUHC Bronze Essential- ($0 Virtual Urgent Care)Bronze$509.38$650.98$1,382.44$10,600$10,600
UnitedHealthcareUHC Bronze Essential ($0 Virtual Urgent Care)Bronze$509.44$651.06$1,382.61$10,600$10,600
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Bronze 24K01-05 (Rewards)Bronze$557.05$711.91$1,511.83$6,150$10,150
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze 24J01-06 (Rewards)Bronze$709.35$906.55$1,925.18$6,150$10,150
WellpointWellpoint Essential Catastrophic (+ Incentives)Catastrophic$433.43$553.92$1,176.33$10,600$10,600
Cigna HealthcareConnect Bronze Mid-South CMS StandardExpanded Bronze$446.30$570.37$1,211.26$7,500$10,000
Ambetter HealthEveryday BronzeExpanded Bronze$449.36$574.27$1,219.54$8,450$10,150
Ambetter HealthStandard Expanded BronzeExpanded Bronze$450.74$576.03$1,223.28$7,500$10,000
Cigna HealthcareConnect Bronze Mid-South 5500 Indiv Med DeductibleExpanded Bronze$453.03$578.97$1,229.52$5,500$9,500
Cigna HealthcareConnect myDiabetesCare Bronze Mid-SouthExpanded Bronze$453.43$579.48$1,230.61$6,500$9,200
WellpointWellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded Bronze$459.69$587.48$1,247.60$6,000$10,600
Ambetter HealthEveryday Bronze + Vision + Adult DentalExpanded Bronze$461.52$589.81$1,252.53$8,450$10,150
Ambetter HealthStandard Expanded Bronze + Vision + Adult DentalExpanded Bronze$462.93$591.61$1,256.37$7,500$10,000
WellpointWellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded Bronze$466.76$596.52$1,266.79$5,500$10,600
WellpointWellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardExpanded Bronze$470.78$601.66$1,277.70$7,500$10,000
WellpointWellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded Bronze$475.40$607.56$1,290.24$5,500$10,600
Molina HealthcareMolina Bronze StandardExpanded Bronze$475.74$608.00$1,291.16$7,500$10,000
Molina HealthcareMolina Bronze Enhanced 3500Expanded Bronze$487.42$622.92$1,322.85$3,500$9,950
Molina HealthcareMolina Bronze Enhanced 3500 Pluswith Adult VisionExpanded Bronze$490.81$627.26$1,332.07$3,500$9,950
Cigna HealthcareConnect Bronze Mid-South 0 Indiv Med DeductibleExpanded Bronze$498.73$637.38$1,353.55$0$10,600
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2322S ($50 PCP Visits / Rewards)Expanded Bronze$502.73$642.49$1,364.41$7,500$10,000
Molina HealthcareMolina Bronze Enhanced 3500 Plus with Adult Dental and VisionExpanded Bronze$502.79$642.57$1,364.57$3,500$9,950
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2286 ($75 PCP Visits / Rewards)Expanded Bronze$503.66$643.68$1,366.93$2,350$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards)Expanded Bronze$509.23$650.80$1,382.05$6,000$10,150
Ambetter HealthElite BronzeExpanded Bronze$513.27$655.95$1,393.00$0$10,500
Ambetter HealthElite Bronze + Vision + Adult DentalExpanded Bronze$527.16$673.70$1,430.68$0$10,500
Molina HealthcareMolina Bronze Premier with $0 Medical DeductibleExpanded Bronze$533.10$681.30$1,446.82$0$10,350
UnitedHealthcareUHC Bronze StandardExpanded Bronze$533.73$682.10$1,448.54$7,500$10,000
Molina HealthcareMolina Bronze Premier with $0 Medical Deductible Pluswith Adult VisionExpanded Bronze$536.51$685.66$1,456.08$0$10,350
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards)Expanded Bronze$542.98$693.93$1,473.65$0$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards)Expanded Bronze$546.41$698.31$1,482.96$0$10,150
Molina HealthcareMolina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and VisionExpanded Bronze$548.45$700.91$1,488.48$0$10,350
UnitedHealthcareUHC Bronze Standard+ (Dental + Vision)Expanded Bronze$552.52$706.12$1,499.53$7,500$10,000
UnitedHealthcareUHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)Expanded Bronze$552.98$706.71$1,500.80$0$10,600
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)Expanded Bronze$553.58$707.48$1,502.42$0$10,150
UnitedHealthcareUHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)Expanded Bronze$571.77$730.73$1,551.80$0$10,600
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx)Expanded Bronze$588.21$751.73$1,596.40$6,650$7,400
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards)Expanded Bronze$588.30$751.85$1,596.65$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$601.71$768.99$1,633.04$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$635.90$812.68$1,725.83$0$9,900
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)Expanded Bronze$736.01$940.62$1,997.53$7,500$10,000
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)Expanded Bronze$742.52$948.94$2,015.20$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$747.88$955.79$2,029.75$6,500$10,000
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)Expanded Bronze$781.17$998.34$2,120.10$0$9,900
Cigna HealthcareConnect Gold Mid-South 2250 Indiv Med DeductibleGold$577.81$738.44$1,568.18$2,250$9,450
Cigna HealthcareConnect Gold Mid-South CMS StandardGold$590.57$754.75$1,602.81$2,000$8,200
Ambetter HealthStandard GoldGold$595.67$761.25$1,616.62$2,000$8,200
Ambetter HealthEveryday GoldGold$608.57$777.74$1,651.62$800$7,250
Ambetter HealthStandard Gold + Vision + Adult DentalGold$611.79$781.85$1,660.36$2,000$8,200
Cigna HealthcareConnect Gold Mid-South 850 Indiv Med DeductibleGold$617.39$789.02$1,675.60$850$8,550
Ambetter HealthEveryday Gold + Vision + Adult DentalGold$625.03$798.78$1,696.31$800$7,250
Ambetter HealthComplete GoldGold$628.90$803.72$1,706.81$1,450$7,500
Molina HealthcareMolina Gold Enhanced 895Gold$637.01$814.09$1,728.83$895$8,700
Molina HealthcareMolina Gold Core 1640Gold$637.47$814.69$1,730.09$1,640$8,100
Molina HealthcareMolina Gold Enhanced 895 Pluswith Adult VisionGold$640.40$818.43$1,738.03$895$8,700
Molina HealthcareMolina Gold Core 1640 Pluswith Adult VisionGold$640.90$819.07$1,739.40$1,640$8,100
Ambetter HealthComplete Gold + Vision + Adult DentalGold$645.92$825.47$1,752.99$1,450$7,500
WellpointWellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)Gold$651.76$832.95$1,768.88$800$9,000
Molina HealthcareMolina Gold Enhanced 895 Plus with Adult Dental and VisionGold$652.32$833.67$1,770.41$895$8,700
Molina HealthcareMolina Gold Core 1640 Plus with Adult Dental and VisionGold$652.82$834.31$1,771.76$1,640$8,100
WellpointWellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Gold$658.17$841.14$1,786.27$800$9,000
WellpointWellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardGold$665.14$850.05$1,805.19$2,000$8,200
WellpointWellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)Gold$666.09$851.26$1,807.77$1,400$5,000
Molina HealthcareMolina Gold StandardGold$666.87$852.26$1,809.89$2,000$8,200
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$729.47$932.26$1,979.78$2,000$8,200
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Gold 2011 ($0 Labs / Rewards)Gold$741.83$948.06$2,013.33$940$4,500
UnitedHealthcareUHC Gold StandardGold$770.73$985.00$2,091.77$2,000$8,200
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards)Gold$774.36$989.63$2,101.61$0$6,550
UnitedHealthcareUHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)Gold$777.38$993.49$2,109.82$0$10,600
UnitedHealthcareUHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)Gold$791.52$1,011.56$2,148.19$500$9,000
UnitedHealthcareUHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)Gold$810.31$1,035.58$2,199.19$500$9,000
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$876.37$1,120.00$2,378.47$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$897.95$1,147.58$2,437.04$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$929.47$1,187.86$2,522.58$0$6,250
Florida Blue (BlueCross BlueShield FL)BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$1,205.22$1,540.27$3,270.97$2,000$8,200
Florida Blue (BlueCross BlueShield FL)BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)Gold$1,233.86$1,576.87$3,348.70$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$1,267.38$1,619.71$3,439.67$0$6,250
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)Platinum$1,006.53$1,286.35$2,731.72$0$2,250
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Platinum$1,054.45$1,347.59$2,861.78$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$1,096.68$1,401.56$2,976.39$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$1,138.42$1,454.90$3,089.67$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$1,193.04$1,524.71$3,237.91$0$5,200
Florida Blue (BlueCross BlueShield FL)BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Platinum$1,600.64$2,045.62$4,344.14$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$1,646.74$2,104.53$4,469.25$0$2,525
Florida Blue (BlueCross BlueShield FL)BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Platinum$1,715.88$2,192.89$4,656.90$0$5,200
Ambetter HealthClarity SilverSilver$570.64$729.27$1,548.70$8,000$8,400
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards)Silver$570.81$729.50$1,549.18$9,500$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 26M02-04V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards)Silver$574.38$734.06$1,558.87$9,500$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards)Silver$579.92$741.14$1,573.90$7,000$9,125
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 26M02-04E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards)Silver$581.52$743.18$1,578.25$9,500$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 25M02-03V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards)Silver$583.34$745.51$1,583.18$7,000$9,125
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 25M02-03E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards)Silver$590.47$754.62$1,602.54$7,000$9,125
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 24M02-78 ($50 PCP Visits / $20 Labs / Rewards)Silver$593.43$758.40$1,610.57$6,400$9,200
WellpointWellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Silver$595.69$761.29$1,616.70$3,500$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 24M02-78V ($50 PCP Visits / $20 Labs / Adult Vision / Rewards)Silver$596.88$762.81$1,619.93$6,400$9,200
WellpointWellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)Silver$598.09$764.36$1,623.22$1,850$9,100
Molina HealthcareMolina Silver Saver with Four Free PCP VisitsSilver$602.16$769.57$1,634.28$7,000$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards)Silver$604.00$771.91$1,639.26$6,400$9,200
WellpointWellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Silver$604.44$772.47$1,640.45$3,500$10,150
Molina HealthcareMolina Silver CoreSilver$606.78$775.47$1,646.80$6,000$8,990
Ambetter HealthStandard SilverSilver$608.67$777.87$1,651.90$6,000$8,900
WellpointWellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardSilver$608.73$777.96$1,652.09$6,000$8,900
Molina HealthcareMolina Silver Core Pluswith Adult VisionSilver$610.17$779.79$1,655.99$6,000$8,990
Ambetter HealthFocused SilverSilver$616.01$787.25$1,671.82$6,300$8,400
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2010 (Rewards)Silver$619.82$792.13$1,682.19$2,800$7,675
Molina HealthcareMolina Silver Core Plus with Adult Dental and VisionSilver$622.11$795.05$1,688.40$6,000$8,990
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2010V (Adult Vision / Rewards)Silver$623.29$796.56$1,691.61$2,800$7,675
Ambetter HealthStandard Silver + Vision + Adult DentalSilver$625.14$798.91$1,696.59$6,000$8,900
Ambetter HealthEnhanced Diabetes Care Silver with $0 Drug OptionsSilver$626.21$800.28$1,699.50$5,000$8,650
Molina HealthcareMolina Silver StandardSilver$627.45$801.89$1,702.91$6,000$8,900
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2010E (Adult Dental & Vision / Rewards)Silver$630.42$805.68$1,710.96$2,800$7,675
Ambetter HealthFocused Silver + Vision + Adult DentalSilver$632.67$808.54$1,717.05$6,300$8,400
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$637.10$814.21$1,729.09$6,000$8,900
Ambetter HealthEnhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult DentalSilver$643.15$821.93$1,745.48$5,000$8,650
Cigna HealthcareConnect Silver Mid-South 4500 Indiv Med DeductibleSilver$667.19$852.67$1,810.75$4,500$9,350
Cigna HealthcareConnect Silver Mid-South 3800 Indiv Med DeductibleSilver$668.28$854.06$1,813.71$3,800$9,500
Cigna HealthcareConnect Silver Mid-South CMS StandardSilver$673.63$860.90$1,828.23$6,000$8,900
UnitedHealthcareUHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)Silver$674.15$861.57$1,829.65$4,500$9,900
UnitedHealthcareUHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)Silver$692.94$885.58$1,880.64$4,500$9,900
UnitedHealthcareUHC Silver Standard-Silver$708.15$905.01$1,921.91$6,000$8,900
UnitedHealthcareUHC Silver StandardSilver$708.23$905.11$1,922.12$6,000$8,900
UnitedHealthcareUHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)Silver$717.63$917.14$1,947.66$2,700$10,350
UnitedHealthcareUHC Silver Standard+ (Dental + Vision)Silver$727.02$929.13$1,973.12$6,000$8,900
UnitedHealthcareUHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)Silver$736.42$941.15$1,998.65$2,700$10,350
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Silver 24K01-02 ($10 Labs / Rewards)Silver$766.79$979.96$2,081.07$4,000$8,100
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$792.64$1,012.99$2,151.22$6,000$8,900
Florida Blue HMO (a BlueCross BlueShield FL company)BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards)Silver$802.84$1,026.03$2,178.91$3,125$8,100
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-03 ($10 Labs / Rewards)Silver$1,146.79$1,465.60$3,112.39$4,000$8,100
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$1,224.89$1,565.41$3,324.35$6,000$8,900
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)Silver$1,239.10$1,583.57$3,362.92$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

See the plain-English answer version →