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

In Charlotte County, Florida, the benchmark silver plan costs $702.52/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $518.65 to $1699.04. A 60-year-old pays at least $1101.41/month, a 21-year-old at least $405.84. 4 insurers offer 110 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Charlotte 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 $405.84/mo
Age 40 — starting at $518.65/mo
Age 60 — starting at $1101.41/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $528.50/mo
Silver — starting at $658.63/mo
Gold — starting at $686.63/mo

Deductibles & out-of-pocket (2026)

Deductibles range from $0 to $10,125
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), Oscar Health Maintenance Organization of Florida

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

Estimate your own number →

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 Charlotte County (FIPS 12015).
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 (110)

BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $528.50/mo @ 40
myBlue Bronze 26M01-23 (Rewards) — Bronze · $565.58/mo @ 40
BlueCare Bronze 24K01-05 (Rewards) — Bronze · $693.97/mo @ 40
BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $702.39/mo @ 40
Everyday Bronze — Expanded Bronze · $518.65/mo @ 40
Standard Expanded Bronze — Expanded Bronze · $520.23/mo @ 40
Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $532.68/mo @ 40
Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $534.31/mo @ 40
BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $548.45/mo @ 40
Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $551.97/mo @ 40
BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $553.14/mo @ 40
BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $557.05/mo @ 40
BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $580.91/mo @ 40
Bronze Classic Standard | with AdventHealth — Expanded Bronze · $582.10/mo @ 40
BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $583.99/mo @ 40
BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $590.15/mo @ 40
Elite Bronze — Expanded Bronze · $592.41/mo @ 40
Bronze Classic 4700 | with AdventHealth — Expanded Bronze · $596.78/mo @ 40
Elite Bronze + Vision + Adult Dental — Expanded Bronze · $608.44/mo @ 40
Bronze Classic Standard — Expanded Bronze · $610.36/mo @ 40
Bronze Simple Diabetes — Expanded Bronze · $617.98/mo @ 40
Bronze Simple Chronic Care CKM — Expanded Bronze · $625.57/mo @ 40
Bronze Elite + PCP Saver Plus | with AdventHealth — Expanded Bronze · $632.98/mo @ 40
myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $644.32/mo @ 40
myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $645.27/mo @ 40
myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $652.48/mo @ 40
myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $696.77/mo @ 40
myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $701.07/mo @ 40
myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $709.93/mo @ 40
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $728.78/mo @ 40
BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $732.78/mo @ 40
BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) — Expanded Bronze · $732.89/mo @ 40
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $735.23/mo @ 40
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $740.54/mo @ 40
BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $749.60/mo @ 40
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $773.50/mo @ 40
BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $792.19/mo @ 40
Gold Simple | with AdventHealth — Gold · $686.63/mo @ 40
Standard Gold — Gold · $687.52/mo @ 40
Gold Elite Saver Plus | with AdventHealth — Gold · $688.54/mo @ 40

Showing first 40 of 110 plans on file. Every remaining plan is listed below.

All other plans in Charlotte County

Everyday Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Gold Classic Standard | with AdventHealth — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold — Gold
Complete Gold + Vision + Adult Dental — Gold
Gold Classic Standard — Gold
BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) — 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
myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
myBlue Gold 1605 ($0 Labs / Rewards) — Gold
myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / 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
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
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
myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
myBlue Platinum 24M05-00S ($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
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
Clarity Silver — Silver
Standard Silver — Silver
BlueSelect Silver 1443 ($10 Labs / Rewards) — Silver
Focused Silver — Silver
BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) — Silver
BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) — Silver
BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
Standard Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
BlueSelect Silver 1456 ($50 PCP Visits / Rewards) — Silver
Focused Silver + Vision + Adult Dental — Silver
myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) — Silver
Silver Simple PCP Saver | with AdventHealth — Silver
myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) — Silver
myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) — Silver
Silver Classic Standard | with AdventHealth — Silver
Silver Simple Diabetes | with AdventHealth — Silver
Silver Simple Chronic Care CKM | with AdventHealth — Silver
myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) — Silver
Silver Elite | with AdventHealth — Silver
myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) — Silver
myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) — Silver
myBlue Silver 2237 ($60 PCP Visits / Rewards) — Silver
myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) — Silver
myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
Silver Classic Standard — Silver
Silver Simple Breathe Easy with Enhanced COPD Benefits — Silver
Silver Simple Women's Health with Menopause Benefits — Silver
BlueCare Silver 24K01-02 ($10 Labs / Rewards) — Silver
BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) — Silver
BlueOptions Silver 24J01-03 ($10 Labs / Rewards) — Silver
BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) — Silver

Reviewed by Jason Burns, Editorial Steward.

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