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.
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.
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 Charlotte County (FIPS 12015).
- 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 (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.
Reviewed by Jason Burns, Editorial Steward.