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

In Desoto County, Florida, the benchmark silver plan costs $712.31/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $525.88 to $2223.96. A 60-year-old pays at least $1116.76/month, a 21-year-old at least $411.49. 6 insurers offer 115 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Desoto 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 $411.49/mo
Age 40 — starting at $525.88/mo
Age 60 — starting at $1116.76/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $663.37/mo
Silver — starting at $667.81/mo
Gold — starting at $697.10/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), Molina Healthcare, 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 Desoto County (FIPS 12027).
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 (115)

UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $663.37/mo @ 40
UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $663.45/mo @ 40
BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $691.79/mo @ 40
BlueCare Bronze 24K01-05 (Rewards) — Bronze · $752.06/mo @ 40
BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $919.39/mo @ 40
Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $545.09/mo @ 40
Everyday Bronze — Expanded Bronze · $525.88/mo @ 40
Standard Expanded Bronze — Expanded Bronze · $527.49/mo @ 40
Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $540.10/mo @ 40
Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $541.76/mo @ 40
Molina Bronze Standard — Expanded Bronze · $564.82/mo @ 40
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $578.10/mo @ 40
Molina Bronze Enhanced 3500 — Expanded Bronze · $578.69/mo @ 40
Molina Bronze Enhanced 3500 Pluswith Adult Vision — Expanded Bronze · $582.72/mo @ 40
Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $587.01/mo @ 40
Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Expanded Bronze · $592.06/mo @ 40
Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision — Expanded Bronze · $596.94/mo @ 40
Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $597.87/mo @ 40
Elite Bronze — Expanded Bronze · $600.67/mo @ 40
Elite Bronze + Vision + Adult Dental — Expanded Bronze · $616.92/mo @ 40
Molina Bronze Premier with $0 Medical Deductible — Expanded Bronze · $632.92/mo @ 40
Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision — Expanded Bronze · $636.97/mo @ 40
Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision — Expanded Bronze · $651.14/mo @ 40
UHC Bronze Standard — Expanded Bronze · $695.08/mo @ 40
BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $717.89/mo @ 40
UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $719.55/mo @ 40
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $720.16/mo @ 40
BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $724.05/mo @ 40
BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $729.16/mo @ 40
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $744.63/mo @ 40
BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $760.40/mo @ 40
BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $764.42/mo @ 40
BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $772.49/mo @ 40
BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $794.14/mo @ 40
BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) — Expanded Bronze · $794.26/mo @ 40
BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $812.36/mo @ 40
BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $858.52/mo @ 40
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $953.95/mo @ 40
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $962.39/mo @ 40
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $969.34/mo @ 40

Showing first 40 of 115 plans on file. Every remaining plan is listed below.

All other plans in Desoto County

BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze
Standard Gold — Gold
Everyday Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold — Gold
Complete Gold + Vision + Adult Dental — Gold
Molina Gold Enhanced 895 — Gold
Molina Gold Core 1640 — Gold
Molina Gold Enhanced 895 Pluswith Adult Vision — Gold
Molina Gold Core 1640 Pluswith Adult Vision — Gold
Molina Gold Enhanced 895 Plus with Adult Dental and Vision — Gold
Molina Gold Core 1640 Plus with Adult Dental and Vision — Gold
Molina Gold Standard — 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
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
BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — 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
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
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
Molina Silver Saver with Four Free PCP Visits — Silver
Molina Silver Core — Silver
Focused Silver — Silver
Molina Silver Core Pluswith Adult Vision — Silver
Standard Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Molina Silver Core Plus with Adult Dental and Vision — Silver
Focused Silver + Vision + Adult Dental — Silver
Molina Silver Standard — 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
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — 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
BlueSelect Silver 1443 ($10 Labs / Rewards) — Silver
BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) — Silver
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) — Silver
BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
UHC Silver Standard+ (Dental + Vision) — Silver
BlueSelect Silver 1456 ($50 PCP Visits / Rewards) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — 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