What health insurance costs without a subsidy in Brevard County, Florida (2026)

In Brevard County, Florida, the benchmark silver plan costs $571.85/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $281.89 to $1949.92. A 60-year-old pays at least $598.64/month, a 21-year-old at least $220.57. 8 insurers offer 152 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Brevard County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0

Cost by age (2026, before subsidy)

Age 21 — starting at $220.57/mo
Age 40 — starting at $281.89/mo
Age 60 — starting at $598.64/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $542.09/mo
Silver — starting at $560.18/mo
Gold — starting at $544.76/mo

Deductibles & out-of-pocket (2026)

Deductibles range from $0 to $10,600
Highest out-of-pocket maximum on file: $10,600

Who sells plans here

Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Florida Health Care Plans, Health First Commercial Plans, Inc., Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Wellpoint

The subsidy cliff

In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.

Call 1-855-333-3555 — private U65 quote See your subsidized price at acadirectanswers.com

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Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Brevard County (FIPS 12009).
HealthCare.gov (opens in new tab) — the authoritative marketplace for enrollment and exact quoted pricing.
Methodology — how we source, interpret, and label these figures.

Related counties in Florida

Monroe County — $1277.62/mo benchmark
Hamilton County — $1263.70/mo benchmark
Lafayette County — $991.19/mo benchmark
Union County — $949.75/mo benchmark
Washington County — $898.81/mo benchmark

All Florida counties →

Plans available in this county (152)

BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $542.09/mo @ 40
UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $653.46/mo @ 40
UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $653.54/mo @ 40
BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $720.45/mo @ 40
BlueCare Bronze 24K01-05 (Rewards) — Bronze · $910.45/mo @ 40
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) — Catastrophic · $281.89/mo @ 40
Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $531.26/mo @ 40
Gym Access IND Bronze HMO 1340 — Expanded Bronze · $426.78/mo @ 40
Everyday Bronze — Expanded Bronze · $441.12/mo @ 40
Standard Expanded Bronze — Expanded Bronze · $442.47/mo @ 40
Bronze Value 1814 (High Value Network Savings, Open Access) — Expanded Bronze · $444.54/mo @ 40
Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $453.05/mo @ 40
Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $454.44/mo @ 40
Gym Access IND Bronze HMO OA Standard 2450 — Expanded Bronze · $466.92/mo @ 40
Bronze Value 1814 + Adult Dental + Adult Vision (High Value Network Savings, Open Access) — Expanded Bronze · $469.37/mo @ 40
Bronze Standard 1828 — Expanded Bronze · $472.22/mo @ 40
Gym Access IND Bronze Standardized HMO — Expanded Bronze · $485.03/mo @ 40
Elite Bronze — Expanded Bronze · $503.86/mo @ 40
Elite Bronze + Vision + Adult Dental — Expanded Bronze · $517.49/mo @ 40
Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) — Expanded Bronze · $522.58/mo @ 40
Gym Access IND Bronze HMO OA 1211 — Expanded Bronze · $525.79/mo @ 40
Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $533.91/mo @ 40
Gym Access IND Bronze POS OA Standard 2450 — Expanded Bronze · $536.95/mo @ 40
Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) — Expanded Bronze · $547.40/mo @ 40
Gym Access IND Bronze POS 1042 — Expanded Bronze · $557.87/mo @ 40
BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $562.55/mo @ 40
Bronze Classic Standard — Expanded Bronze · $563.06/mo @ 40
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $563.44/mo @ 40
Gym Access IND Bronze POS BC 3841 — Expanded Bronze · $563.93/mo @ 40
BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $567.37/mo @ 40
Bronze Classic 4700 — Expanded Bronze · $567.70/mo @ 40
Bronze Simple Diabetes — Expanded Bronze · $570.04/mo @ 40
BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $571.38/mo @ 40
Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $572.12/mo @ 40
Bronze Simple Chronic Care CKM — Expanded Bronze · $577.00/mo @ 40
Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Expanded Bronze · $577.04/mo @ 40
Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $582.72/mo @ 40
BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $595.85/mo @ 40
BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $599.01/mo @ 40
Gym Access IND Bronze POS OA 1211 — Expanded Bronze · $604.67/mo @ 40

Showing first 40 of 152 plans on file. Every remaining plan is listed below.

All other plans in Brevard County

BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze
Bronze Elite + PCP Saver Plus — Expanded Bronze
UHC Bronze Standard — Expanded Bronze
UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze
BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) — Expanded Bronze
BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) — Expanded Bronze
BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze
BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) — Gold
Gold Value 1819 + Enhanced Diabetes Benefits ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) — Gold
Gold Value 1819 + Adult Dental + Adult Vision ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) — Gold
Gold Standard 1833 — Gold
Standard Gold — Gold
Everyday Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold — Gold
Complete Gold + Vision + Adult Dental — Gold
Gold 1742 + Adult Dental + Adult Vision (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) — Gold
Gym Access IND Gold HMO H.S.A 9010 — Gold
Gym Access IND Gold HMO OA Standard 3450 — Gold
Gold Simple — Gold
Gym Access IND Gold HMO 4500 — Gold
Gold Classic Standard — Gold
Gym Access IND Gold HMO BC 5651 — Gold
Gym Access IND Gold POS OA Standard 3450 — Gold
Gym Access IND Gold POS 55001 — Gold
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Gold
Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
Gym Access IND Gold POS BC 5651 — Gold
BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold
BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold
BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) — Gold
UHC Gold Standard — Gold
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — Gold
BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold
BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold
BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold
BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold
BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
Clarity Silver — Silver
Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) — Silver
Silver Value 1815 + Enhanced Diabetes Benefits ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) — Silver
Silver Standard 1829 — Silver
Silver Value 1815 + Adult Dental + Adult Vision ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) — Silver
Standard Silver — Silver
Focused Silver — Silver
Standard Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Gym Access IND Silver HMO OA Standard 1440 — Silver
Silver 1664 (Primary Care & Specialist Copays, Open Access) — Silver
Focused Silver + Vision + Adult Dental — Silver
Gym Access IND Silver HMO BC 7741 — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
Gym Access IND Silver HMO BC 0941 — Silver
Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access) — Silver
Gym Access IND Silver HMO OA 1009 — Silver
Gym Access IND Silver POS OA Standard 1440 — Silver
Gym Access IND Silver POS BC 7741 — Silver
BlueSelect Silver 1443 ($10 Labs / Rewards) — Silver
Silver Simple PCP Saver — Silver
BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) — Silver
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Classic Standard — Silver
Silver Simple Breathe Easy with Enhanced COPD Benefits — Silver
Silver Simple Diabetes — Silver
Gym Access IND Silver POS BC 0941 — Silver
Silver Simple Women's Health with Menopause Benefits — Silver
BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) — Silver
Silver Simple Chronic Care CKM — Silver
BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Gym Access IND Silver POS OA 1009 — Silver
Silver Elite — Silver
Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Silver
BlueSelect Silver 1456 ($50 PCP Visits / Rewards) — Silver
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
UHC Silver Standard- — Silver
UHC Silver Standard — Silver
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
UHC Silver Standard+ (Dental + Vision) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
BlueOptions Silver 24J01-03 ($10 Labs / Rewards) — Silver
BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueCare Silver 24K01-02 ($10 Labs / Rewards) — Silver
BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) — Silver
BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) — Silver

Reviewed by Jason Burns, Editorial Steward.

Reviewed by Heather Fabrizio, licensed in Florida (License #G064409) · reviewed Jul 25, 2026