ACA marketplace plans in Indian River County, Florida (2026)

Indian River County, Florida has 121 ACA marketplace plans from 7 insurers in 2026, with monthly premiums for a 40-year-old ranging from $288 to $2,224 and a benchmark (second-lowest-cost silver) plan at $591 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$415.35$530.82$1,127.26$10,125$10,150
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze 24L01-01 (Rewards)Bronze$541.31$691.79$1,469.12$6,150$10,150
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze 24J01-06 (Rewards)Bronze$719.40$919.39$1,952.45$6,150$10,150
Health First Commercial Plans, Inc.Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)Catastrophic$224.97$287.52$610.58$10,600$10,600
WellpointWellpoint Essential Catastrophic (+ Incentives)Catastrophic$451.64$577.20$1,225.75$10,600$10,600
Ambetter HealthEveryday BronzeExpanded Bronze$341.50$436.42$926.80$8,450$10,150
Ambetter HealthStandard Expanded BronzeExpanded Bronze$342.54$437.76$929.64$7,500$10,000
Ambetter HealthEveryday Bronze + Vision + Adult DentalExpanded Bronze$350.74$448.23$951.87$8,450$10,150
Ambetter HealthStandard Expanded Bronze + Vision + Adult DentalExpanded Bronze$351.81$449.60$954.79$7,500$10,000
Health First Commercial Plans, Inc.Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access)Expanded Bronze$353.69$452.02$959.92$9,800$10,150
Health First Commercial Plans, Inc.Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access)Expanded Bronze$373.50$477.34$1,013.69$9,800$10,150
Health First Commercial Plans, Inc.Bronze Standard 1828Expanded Bronze$376.87$481.64$1,022.83$7,500$10,000
Ambetter HealthElite BronzeExpanded Bronze$390.07$498.50$1,058.62$0$10,500
Ambetter HealthElite Bronze + Vision + Adult DentalExpanded Bronze$400.62$511.98$1,087.26$0$10,500
Cigna HealthcareConnect Bronze Mid-South CMS StandardExpanded Bronze$409.92$523.88$1,112.52$7,500$10,000
Cigna HealthcareConnect Bronze Mid-South 5500 Indiv Med DeductibleExpanded Bronze$416.10$531.78$1,129.30$5,500$9,500
Cigna HealthcareConnect myDiabetesCare Bronze Mid-SouthExpanded Bronze$416.47$532.25$1,130.30$6,500$9,200
Health First Commercial Plans, Inc.Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access)Expanded Bronze$417.06$533.00$1,131.90$0$10,150
Health First Commercial Plans, Inc.Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access)Expanded Bronze$436.87$558.32$1,185.67$0$10,150
Cigna HealthcareConnect Bronze Mid-South 0 Indiv Med DeductibleExpanded Bronze$458.08$585.43$1,243.23$0$10,600
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2322S ($50 PCP Visits / Rewards)Expanded Bronze$468.88$599.23$1,272.54$7,500$10,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2286 ($75 PCP Visits / Rewards)Expanded Bronze$469.76$600.35$1,274.93$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$474.94$606.97$1,288.99$6,000$10,150
WellpointWellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded Bronze$479.00$612.16$1,300.01$6,000$10,600
WellpointWellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded Bronze$486.38$621.59$1,320.04$5,500$10,600
WellpointWellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardExpanded Bronze$490.56$626.94$1,331.38$7,500$10,000
WellpointWellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Expanded Bronze$495.38$633.10$1,344.46$5,500$10,600
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards)Expanded Bronze$506.43$647.22$1,374.45$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$509.62$651.29$1,383.11$0$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards)Expanded Bronze$516.31$659.84$1,401.27$0$10,150
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze 2342S ($50 PCP Visits / Rewards)Expanded Bronze$561.73$717.89$1,524.54$7,500$10,000
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)Expanded Bronze$566.55$724.05$1,537.62$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$570.55$729.16$1,548.47$6,500$10,000
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze 2139 ($50 PCP Visits / Rewards)Expanded Bronze$594.99$760.40$1,614.80$0$9,900
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards)Expanded Bronze$598.14$764.42$1,623.35$0$9,900
Florida Blue (BlueCross BlueShield FL)BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards)Expanded Bronze$604.45$772.49$1,640.48$0$9,900
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)Expanded Bronze$746.44$953.95$2,025.84$7,500$10,000
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)Expanded Bronze$753.04$962.39$2,043.75$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$758.48$969.34$2,058.51$6,500$10,000
Florida Blue (BlueCross BlueShield FL)BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)Expanded Bronze$792.24$1,012.48$2,150.14$0$9,900
Health First Commercial Plans, Inc.Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access)Gold$440.11$562.46$1,194.46$3,050$8,100
Ambetter HealthStandard GoldGold$452.69$578.52$1,228.57$2,000$8,200
Health First Commercial Plans, Inc.Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access)Gold$459.92$587.78$1,248.23$3,050$8,100
Ambetter HealthEveryday GoldGold$462.49$591.05$1,255.17$800$7,250
Health First Commercial Plans, Inc.Gold Standard 1833Gold$463.00$591.71$1,256.58$2,000$8,200
Ambetter HealthStandard Gold + Vision + Adult DentalGold$464.93$594.17$1,261.80$2,000$8,200
Ambetter HealthEveryday Gold + Vision + Adult DentalGold$475.00$607.04$1,289.12$800$7,250
Ambetter HealthComplete GoldGold$477.94$610.80$1,297.11$1,450$7,500
Health First Commercial Plans, Inc.Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access)Gold$488.30$624.05$1,325.25$3,000$8,250
Ambetter HealthComplete Gold + Vision + Adult DentalGold$490.87$627.32$1,332.20$1,450$7,500
Health First Commercial Plans, Inc.Gold 1742 + Adult Dental + Adult Vision (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access)Gold$508.11$649.37$1,379.02$3,000$8,250
Cigna HealthCare of Florida, Inc.Partnered Care Premier GoldGold$524.43$670.22$1,423.30$1,850$7,700
Cigna HealthcareConnect Gold Mid-South 2250 Indiv Med DeductibleGold$530.72$678.26$1,440.37$2,250$9,450
Cigna HealthCare of Florida, Inc.Partnered Care Gold CMS StandardGold$537.92$687.46$1,459.91$2,000$8,200
Cigna HealthcareConnect Gold Mid-South CMS StandardGold$542.44$693.24$1,472.18$2,000$8,200
Cigna HealthcareConnect Gold Mid-South 850 Indiv Med DeductibleGold$567.07$724.72$1,539.03$850$8,550
WellpointWellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)Gold$679.15$867.95$1,843.21$800$9,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$680.36$869.50$1,846.50$2,000$8,200
WellpointWellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Gold$685.83$876.49$1,861.34$800$9,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Gold 2011 ($0 Labs / Rewards)Gold$691.89$884.24$1,877.79$940$4,500
WellpointWellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardGold$693.09$885.77$1,881.05$2,000$8,200
WellpointWellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)Gold$694.07$887.02$1,883.71$1,400$5,000
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards)Gold$722.23$923.01$1,960.13$0$6,550
Florida Blue (BlueCross BlueShield FL)BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$815.89$1,042.71$2,214.33$2,000$8,200
Florida Blue (BlueCross BlueShield FL)BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)Gold$835.20$1,067.39$2,266.73$1,500$6,450
Florida Blue (BlueCross BlueShield FL)BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards)Gold$857.23$1,095.54$2,326.52$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$860.40$1,099.59$2,335.13$0$6,250
Florida Blue (BlueCross BlueShield FL)BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)Gold$1,222.29$1,562.09$3,317.30$2,000$8,200
Florida Blue (BlueCross BlueShield FL)BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)Gold$1,251.34$1,599.21$3,396.14$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$1,285.33$1,642.65$3,488.39$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$938.77$1,199.75$2,547.82$0$2,250
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Platinum$983.46$1,256.86$2,669.11$0$5,200
Florida Blue (BlueCross BlueShield FL)BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Platinum$1,068.75$1,365.86$2,900.59$1,000$4,000
Florida Blue (BlueCross BlueShield FL)BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)Platinum$1,098.40$1,403.76$2,981.06$0$2,525
Florida Blue (BlueCross BlueShield FL)BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Platinum$1,144.70$1,462.93$3,106.72$0$5,200
Florida Blue (BlueCross BlueShield FL)BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)Platinum$1,623.31$2,074.59$4,405.66$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$1,670.07$2,134.35$4,532.57$0$2,525
Florida Blue (BlueCross BlueShield FL)BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)Platinum$1,740.19$2,223.96$4,722.88$0$5,200
Ambetter HealthClarity SilverSilver$433.67$554.22$1,176.95$8,000$8,400
Ambetter HealthStandard SilverSilver$462.57$591.15$1,255.38$6,000$8,900
Health First Commercial Plans, Inc.Silver Savings 1821 (Primary Care Copay, Open Access)Silver$463.16$591.92$1,257.02$4,500$8,000
Health First Commercial Plans, Inc.Silver Standard 1829Silver$466.64$596.37$1,266.47$6,000$8,900
Ambetter HealthFocused SilverSilver$468.14$598.27$1,270.51$6,300$8,400
Ambetter HealthStandard Silver + Vision + Adult DentalSilver$475.08$607.14$1,289.34$6,000$8,900
Ambetter HealthEnhanced Diabetes Care Silver with $0 Drug OptionsSilver$475.89$608.18$1,291.55$5,000$8,650
Ambetter HealthFocused Silver + Vision + Adult DentalSilver$480.81$614.46$1,304.89$6,300$8,400
Health First Commercial Plans, Inc.Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access)Silver$482.97$617.24$1,310.79$4,500$8,000
Ambetter HealthEnhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult DentalSilver$488.77$624.63$1,326.49$5,000$8,650
Health First Commercial Plans, Inc.Silver 1664 (Primary Care & Specialist Copays, Open Access)Silver$494.42$631.87$1,341.86$4,550$7,600
Health First Commercial Plans, Inc.Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access)Silver$514.23$657.19$1,395.63$4,550$7,600
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards)Silver$532.39$680.39$1,444.91$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$535.71$684.64$1,453.92$9,500$10,150
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards)Silver$540.88$691.24$1,467.95$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$542.37$693.15$1,471.99$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$544.07$695.32$1,476.61$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$550.72$703.82$1,494.65$7,000$9,125
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 24M02-78 ($50 PCP Visits / $20 Labs / Rewards)Silver$553.48$707.35$1,502.14$6,400$9,200
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 24M02-78V ($50 PCP Visits / $20 Labs / Adult Vision / Rewards)Silver$556.70$711.46$1,510.88$6,400$9,200
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards)Silver$563.34$719.95$1,528.90$6,400$9,200
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2010 (Rewards)Silver$578.09$738.80$1,568.94$2,800$7,675
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2010V (Adult Vision / Rewards)Silver$581.33$742.94$1,577.73$2,800$7,675
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2010E (Adult Dental & Vision / Rewards)Silver$587.98$751.44$1,595.78$2,800$7,675
Florida Blue HMO (a BlueCross BlueShield FL company)myBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$594.21$759.40$1,612.69$6,000$8,900
Cigna HealthCare of Florida, Inc.Partnered Care Classic SilverSilver$598.41$764.77$1,624.08$5,000$7,950
Cigna HealthCare of Florida, Inc.Partnered Care Premier SilverSilver$599.17$765.74$1,626.15$7,000$8,500
Cigna HealthcareConnect Silver Mid-South 4500 Indiv Med DeductibleSilver$612.82$783.18$1,663.19$4,500$9,350
Cigna HealthcareConnect Silver Mid-South 3800 Indiv Med DeductibleSilver$613.81$784.45$1,665.88$3,800$9,500
Cigna HealthcareConnect Silver Mid-South CMS StandardSilver$618.73$790.74$1,679.23$6,000$8,900
Cigna HealthCare of Florida, Inc.Partnered Care Silver CMS StandardSilver$620.69$793.24$1,684.55$6,000$8,900
WellpointWellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)Silver$620.72$793.28$1,684.63$3,500$10,150
WellpointWellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)Silver$623.22$796.48$1,691.42$1,850$9,100
WellpointWellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)Silver$629.84$804.94$1,709.39$3,500$10,150
WellpointWellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) StandardSilver$634.31$810.65$1,721.52$6,000$8,900
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 1443 ($10 Labs / Rewards)Silver$725.50$927.19$1,969.01$4,000$8,100
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards)Silver$728.70$931.28$1,977.69$4,000$8,100
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards)Silver$735.09$939.45$1,995.03$4,000$8,100
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$737.53$942.56$2,001.66$6,000$8,900
Florida Blue (BlueCross BlueShield FL)BlueSelect Silver 1456 ($50 PCP Visits / Rewards)Silver$745.86$953.21$2,024.26$3,125$8,100
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-03 ($10 Labs / Rewards)Silver$1,163.04$1,486.37$3,156.49$4,000$8,100
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)Silver$1,242.24$1,587.58$3,371.44$6,000$8,900
Florida Blue (BlueCross BlueShield FL)BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards)Silver$1,256.65$1,606.00$3,410.55$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

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