What health insurance costs without a subsidy in Calhoun County, Florida (2026)
In Calhoun County, Florida, the benchmark silver plan costs $627.88/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $471.22 to $1827.90. A 60-year-old pays at least $1000.70/month, a 21-year-old at least $368.73. 5 insurers offer 83 plans, according to the CMS PY2026 QHP Landscape.
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 $368.73/mo
- Age 40 — starting at $471.22/mo
- Age 60 — starting at $1000.70/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $480.14/mo
- Silver — starting at $598.41/mo
- Gold — starting at $624.65/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, Capital Health Plan, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), UnitedHealthcare
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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Calhoun County (FIPS 12013).
- HealthCare.gov — 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
Plans available in this county (83)
- Capital Health Plan HMO Bronze 1100 — Bronze · $480.14/mo @ 40
- myBlue Bronze 26M01-23 (Rewards) — Bronze · $497.15/mo @ 40
- UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $639.13/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $639.21/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $755.66/mo @ 40
- Everyday Bronze — Expanded Bronze · $471.22/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $472.67/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $483.97/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $485.45/mo @ 40
- Capital Health Plan HMO Bronze 1000 — Expanded Bronze · $501.01/mo @ 40
- Elite Bronze — Expanded Bronze · $538.24/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $552.81/mo @ 40
- myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $566.36/mo @ 40
- myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $567.19/mo @ 40
- myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $573.54/mo @ 40
- myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $612.46/mo @ 40
- myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $616.25/mo @ 40
- myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $624.02/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $669.68/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $693.26/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $693.85/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $717.42/mo @ 40
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $784.05/mo @ 40
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $790.99/mo @ 40
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $796.71/mo @ 40
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $832.17/mo @ 40
- Standard Gold — Gold · $624.65/mo @ 40
- Everyday Gold — Gold · $638.18/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $641.55/mo @ 40
- Capital Health Plan HMO Gold 3100 — Gold · $646.91/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $655.44/mo @ 40
- Complete Gold — Gold · $659.50/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $677.34/mo @ 40
- Capital Health Plan HMO Gold 3000 — Gold · $707.71/mo @ 40
- myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $825.22/mo @ 40
- myBlue Gold 1605 ($0 Labs / Rewards) — Gold · $839.28/mo @ 40
- myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $869.09/mo @ 40
- UHC Gold Standard — Gold · $967.06/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $975.41/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) — Gold · $993.15/mo @ 40
Showing first 40 of 83 plans on file.
Reviewed by Jason Burns, Editorial Steward.