ACA marketplace plans in Monroe County, Florida (2026)
Monroe County, Florida has 33 ACA marketplace plans from 1 insurers in 2026, with monthly premiums for a 40-year-old ranging from $949 to $3,051 and a benchmark (second-lowest-cost silver) plan at $1,278 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 | $742.62 | $949.07 | $2,015.47 | $6,150 | $10,150 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-06 (Rewards) | Bronze | $986.94 | $1,261.31 | $2,678.56 | $6,150 | $10,150 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) | Expanded Bronze | $770.64 | $984.88 | $2,091.52 | $7,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) | Expanded Bronze | $777.24 | $993.31 | $2,109.43 | $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 | $782.73 | $1,000.33 | $2,124.33 | $6,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) | Expanded Bronze | $816.26 | $1,043.18 | $2,215.33 | $0 | $9,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) | Expanded Bronze | $820.59 | $1,048.71 | $2,227.08 | $0 | $9,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | $829.24 | $1,059.77 | $2,250.56 | $0 | $9,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) | Expanded Bronze | $1,024.03 | $1,308.71 | $2,779.22 | $7,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) | Expanded Bronze | $1,033.09 | $1,320.29 | $2,803.81 | $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 | $1,040.55 | $1,329.82 | $2,824.05 | $6,500 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) | Expanded Bronze | $1,086.86 | $1,389.01 | $2,949.74 | $0 | $9,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,119.31 | $1,430.48 | $3,037.81 | $2,000 | $8,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,145.80 | $1,464.33 | $3,109.70 | $1,500 | $6,450 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | $1,176.02 | $1,502.95 | $3,191.72 | $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 | $1,180.37 | $1,508.51 | $3,203.52 | $0 | $6,250 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,676.85 | $2,143.01 | $4,550.97 | $2,000 | $8,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,716.69 | $2,193.93 | $4,659.10 | $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 | $1,763.34 | $2,253.55 | $4,785.70 | $0 | $6,250 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $1,466.21 | $1,873.82 | $3,979.29 | $1,000 | $4,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Platinum | $1,506.88 | $1,925.79 | $4,089.67 | $0 | $2,525 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | $1,570.41 | $2,006.98 | $4,262.09 | $0 | $5,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $2,227.00 | $2,846.11 | $6,044.08 | $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 | $2,291.15 | $2,928.09 | $6,218.18 | $0 | $2,525 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Platinum | $2,387.35 | $3,051.03 | $6,479.27 | $0 | $5,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 1443 ($10 Labs / Rewards) | Silver | $995.31 | $1,272.01 | $2,701.27 | $4,000 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) | Silver | $999.70 | $1,277.62 | $2,713.19 | $4,000 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) | Silver | $1,008.46 | $1,288.81 | $2,736.96 | $4,000 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,011.81 | $1,293.09 | $2,746.05 | $6,000 | $8,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 1456 ($50 PCP Visits / Rewards) | Silver | $1,023.24 | $1,307.70 | $2,777.07 | $3,125 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-03 ($10 Labs / Rewards) | Silver | $1,595.56 | $2,039.13 | $4,330.35 | $4,000 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,704.22 | $2,177.99 | $4,625.25 | $6,000 | $8,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) | Silver | $1,723.99 | $2,203.26 | $4,678.91 | $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.