ACA marketplace plans in Gadsden County, Florida (2026)
Gadsden County, Florida has 83 ACA marketplace plans from 5 insurers in 2026, with monthly premiums for a 40-year-old ranging from $501 to $2,058 and a benchmark (second-lowest-cost silver) plan at $679 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 |
|---|---|---|---|---|---|---|---|
| Capital Health Plan | Capital Health Plan HMO Bronze 1100 | Bronze | $407.03 | $520.19 | $1,104.69 | $8,000 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 26M01-23 (Rewards) | Bronze | $444.68 | $568.30 | $1,206.86 | $10,125 | $10,150 |
| UnitedHealthcare | UHC Bronze Essential- ($0 Virtual Urgent Care) | Bronze | $498.38 | $636.93 | $1,352.60 | $10,600 | $10,600 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | $498.44 | $637.01 | $1,352.77 | $10,600 | $10,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-06 (Rewards) | Bronze | $665.78 | $850.87 | $1,806.93 | $6,150 | $10,150 |
| Ambetter Health | Everyday Bronze | Expanded Bronze | $392.41 | $501.49 | $1,064.98 | $8,450 | $10,150 |
| Ambetter Health | Standard Expanded Bronze | Expanded Bronze | $393.61 | $503.03 | $1,068.24 | $7,500 | $10,000 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $403.03 | $515.06 | $1,093.79 | $8,450 | $10,150 |
| Ambetter Health | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $404.26 | $516.63 | $1,097.14 | $7,500 | $10,000 |
| Capital Health Plan | Capital Health Plan HMO Bronze 1000 | Expanded Bronze | $424.72 | $542.79 | $1,152.69 | $7,500 | $10,000 |
| Ambetter Health | Elite Bronze | Expanded Bronze | $448.22 | $572.82 | $1,216.45 | $0 | $10,500 |
| Ambetter Health | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $460.35 | $588.31 | $1,249.36 | $0 | $10,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 2219 ($75 PCP Visits / Rewards) | Expanded Bronze | $506.59 | $647.42 | $1,374.89 | $2,625 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 2312S ($50 PCP Visits / Rewards) | Expanded Bronze | $507.34 | $648.38 | $1,376.92 | $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 | $513.01 | $655.63 | $1,392.31 | $6,000 | $10,150 |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | $522.21 | $667.38 | $1,417.27 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | $540.59 | $690.88 | $1,467.16 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | $541.05 | $691.46 | $1,468.41 | $0 | $10,600 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) | Expanded Bronze | $547.82 | $700.11 | $1,486.78 | $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 | $551.21 | $704.45 | $1,495.98 | $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 | $558.17 | $713.34 | $1,514.87 | $0 | $10,150 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Expanded Bronze | $559.43 | $714.95 | $1,518.30 | $0 | $10,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) | Expanded Bronze | $690.80 | $882.84 | $1,874.83 | $7,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) | Expanded Bronze | $696.92 | $890.66 | $1,891.44 | $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 | $701.95 | $897.09 | $1,905.09 | $6,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) | Expanded Bronze | $733.19 | $937.02 | $1,989.88 | $0 | $9,900 |
| Ambetter Health | Standard Gold | Gold | $520.18 | $664.77 | $1,411.73 | $2,000 | $8,200 |
| Ambetter Health | Everyday Gold | Gold | $531.44 | $679.17 | $1,442.30 | $800 | $7,250 |
| Ambetter Health | Standard Gold + Vision + Adult Dental | Gold | $534.25 | $682.76 | $1,449.93 | $2,000 | $8,200 |
| Ambetter Health | Everyday Gold + Vision + Adult Dental | Gold | $545.82 | $697.54 | $1,481.32 | $800 | $7,250 |
| Capital Health Plan | Capital Health Plan HMO Gold 3100 | Gold | $548.40 | $700.86 | $1,488.37 | $2,000 | $8,200 |
| Ambetter Health | Complete Gold | Gold | $549.20 | $701.86 | $1,490.50 | $1,450 | $7,500 |
| Ambetter Health | Complete Gold + Vision + Adult Dental | Gold | $564.06 | $720.85 | $1,530.82 | $1,450 | $7,500 |
| Capital Health Plan | Capital Health Plan HMO Gold 3000 | Gold | $599.95 | $766.74 | $1,628.27 | $0 | $8,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $738.12 | $943.32 | $2,003.26 | $2,000 | $8,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Gold 1605 ($0 Labs / Rewards) | Gold | $750.70 | $959.39 | $2,037.40 | $940 | $4,500 |
| UnitedHealthcare | UHC Gold Standard | Gold | $754.10 | $963.74 | $2,046.62 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | $760.60 | $972.05 | $2,064.28 | $0 | $10,600 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) | Gold | $774.44 | $989.73 | $2,101.82 | $500 | $9,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $777.37 | $993.48 | $2,109.78 | $0 | $6,550 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) | Gold | $792.82 | $1,013.23 | $2,151.72 | $500 | $9,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,131.20 | $1,445.67 | $3,070.08 | $2,000 | $8,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,158.07 | $1,480.01 | $3,143.00 | $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 | $1,189.54 | $1,520.23 | $3,228.41 | $0 | $6,250 |
| Capital Health Plan | Capital Health Plan HMO Platinum 4000 | Platinum | $799.38 | $1,021.61 | $2,169.52 | $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 | $1,005.87 | $1,285.50 | $2,729.93 | $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 | $1,053.69 | $1,346.62 | $2,859.71 | $0 | $5,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $1,502.32 | $1,919.96 | $4,077.30 | $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 | $1,545.59 | $1,975.26 | $4,194.73 | $0 | $2,525 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | $1,610.49 | $2,058.21 | $4,370.87 | $0 | $5,200 |
| Ambetter Health | Clarity Silver | Silver | $498.32 | $636.85 | $1,352.42 | $8,000 | $8,400 |
| Ambetter Health | Standard Silver | Silver | $531.53 | $679.28 | $1,442.54 | $6,000 | $8,900 |
| Capital Health Plan | Capital Health Plan HMO Silver 2400 | Silver | $532.27 | $680.24 | $1,444.59 | $7,000 | $8,900 |
| Ambetter Health | Focused Silver | Silver | $537.94 | $687.47 | $1,459.94 | $6,300 | $8,400 |
| Ambetter Health | Standard Silver + Vision + Adult Dental | Silver | $545.91 | $697.66 | $1,481.57 | $6,000 | $8,900 |
| Ambetter Health | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | $546.84 | $698.85 | $1,484.11 | $5,000 | $8,650 |
| Ambetter Health | Focused Silver + Vision + Adult Dental | Silver | $552.49 | $706.07 | $1,499.43 | $6,300 | $8,400 |
| Ambetter Health | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $561.64 | $717.76 | $1,524.26 | $5,000 | $8,650 |
| Capital Health Plan | Capital Health Plan HMO Silver 2300 | Silver | $562.12 | $718.39 | $1,525.59 | $6,000 | $8,900 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) | Silver | $583.24 | $745.38 | $1,582.91 | $9,500 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) | Silver | $586.75 | $749.87 | $1,592.44 | $9,500 | $10,150 |
| Capital Health Plan | Capital Health Plan HMO Silver 2100 | Silver | $588.10 | $751.59 | $1,596.09 | $5,800 | $8,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) | Silver | $592.28 | $756.93 | $1,607.45 | $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 | $593.75 | $758.81 | $1,611.44 | $9,500 | $10,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) | Silver | $595.66 | $761.25 | $1,616.62 | $7,000 | $9,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) | Silver | $602.64 | $770.17 | $1,635.56 | $7,000 | $9,150 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) | Silver | $605.33 | $773.61 | $1,642.87 | $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 | $608.71 | $777.93 | $1,652.04 | $6,500 | $9,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237 ($60 PCP Visits / Rewards) | Silver | $611.82 | $781.91 | $1,660.48 | $3,150 | $8,675 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) | Silver | $615.18 | $786.20 | $1,669.60 | $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 | $615.68 | $786.84 | $1,670.96 | $6,500 | $9,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) | Silver | $622.16 | $795.12 | $1,688.54 | $3,150 | $8,675 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $622.43 | $795.47 | $1,689.28 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | $659.60 | $842.97 | $1,790.16 | $4,500 | $9,900 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | $677.98 | $866.46 | $1,840.05 | $4,500 | $9,900 |
| UnitedHealthcare | UHC Silver Standard- | Silver | $692.86 | $885.48 | $1,880.43 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Standard | Silver | $692.94 | $885.58 | $1,880.64 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) | Silver | $702.14 | $897.34 | $1,905.62 | $2,700 | $10,350 |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision) | Silver | $711.32 | $909.07 | $1,930.53 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | Silver | $720.53 | $920.83 | $1,955.51 | $2,700 | $10,350 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-03 ($10 Labs / Rewards) | Silver | $1,076.36 | $1,375.59 | $2,921.24 | $4,000 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,149.66 | $1,469.27 | $3,120.18 | $6,000 | $8,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) | Silver | $1,162.99 | $1,486.30 | $3,156.35 | $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.