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

In Flagler County, Florida, the benchmark silver plan costs $696.53/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $338.33 to $2287.30. A 60-year-old pays at least $718.48/month, a 21-year-old at least $264.73. 6 insurers offer 122 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Flagler 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 $264.73/mo
Age 40 — starting at $338.33/mo
Age 60 — starting at $718.48/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $638.11/mo
Silver — starting at $693.46/mo
Gold — starting at $632.39/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

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

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 Flagler County (FIPS 12035).
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 (122)

UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $638.11/mo @ 40
UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $638.19/mo @ 40
BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $711.50/mo @ 40
BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $945.58/mo @ 40
BlueCare Bronze 24K01-05 (Rewards) — Bronze · $957.13/mo @ 40
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) — Catastrophic · $338.33/mo @ 40
Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $508.37/mo @ 40
Gym Access IND Bronze HMO 1340 — Expanded Bronze · $518.65/mo @ 40
Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) — Expanded Bronze · $531.90/mo @ 40
Bronze Classic Standard | with AdventHealth — Expanded Bronze · $536.12/mo @ 40
Bronze Classic 4700 | with AdventHealth — Expanded Bronze · $549.65/mo @ 40
Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access) — Expanded Bronze · $561.70/mo @ 40
Bronze Classic Standard — Expanded Bronze · $562.16/mo @ 40
Bronze Standard 1828 — Expanded Bronze · $566.76/mo @ 40
Gym Access IND Bronze HMO OA Standard 2450 — Expanded Bronze · $567.43/mo @ 40
Bronze Simple Diabetes — Expanded Bronze · $569.17/mo @ 40
Bronze Simple Chronic Care CKM — Expanded Bronze · $576.16/mo @ 40
Bronze Elite + PCP Saver Plus | with AdventHealth — Expanded Bronze · $582.99/mo @ 40
Gym Access IND Bronze Standardized HMO — Expanded Bronze · $589.44/mo @ 40
Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) — Expanded Bronze · $627.20/mo @ 40
Gym Access IND Bronze HMO OA 1211 — Expanded Bronze · $638.99/mo @ 40
Gym Access IND Bronze POS OA Standard 2450 — Expanded Bronze · $652.55/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 · $656.99/mo @ 40
UHC Bronze Standard — Expanded Bronze · $668.62/mo @ 40
Gym Access IND Bronze POS 1042 — Expanded Bronze · $677.97/mo @ 40
Gym Access IND Bronze POS BC 3841 — Expanded Bronze · $685.33/mo @ 40
UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $692.16/mo @ 40
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $692.74/mo @ 40
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $716.28/mo @ 40
Gym Access IND Bronze POS OA 1211 — Expanded Bronze · $734.84/mo @ 40
BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $738.34/mo @ 40
BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $744.67/mo @ 40
BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $749.93/mo @ 40
BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $782.06/mo @ 40
BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $786.20/mo @ 40
BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $794.48/mo @ 40
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $981.11/mo @ 40
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $989.80/mo @ 40
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $996.94/mo @ 40
BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $1010.68/mo @ 40

Showing first 40 of 122 plans on file. Every remaining plan is listed below.

All other plans in Flagler County

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
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze
BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze
Gold Simple | with AdventHealth — Gold
Gold Elite Saver Plus | with AdventHealth — Gold
Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) — Gold
Gold Classic Standard | with AdventHealth — Gold
Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access) — Gold
Gold Standard 1833 — Gold
Gold Classic Standard — Gold
Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) — 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
Gym Access IND Gold HMO 4500 — 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
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
Gym Access IND Gold POS BC 5651 — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — 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
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
Silver Simple PCP Saver | with AdventHealth — Silver
Silver Savings 1821 (Primary Care Copay, Open Access) — Silver
Silver Classic Standard | with AdventHealth — Silver
Silver Simple Diabetes | with AdventHealth — Silver
Silver Simple Chronic Care CKM | with AdventHealth — Silver
Silver Standard 1829 — Silver
Silver Elite | with AdventHealth — Silver
Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access) — Silver
Silver Classic Standard — Silver
Silver Simple Breathe Easy with Enhanced COPD Benefits — Silver
Silver Simple Women's Health with Menopause Benefits — Silver
Silver 1664 (Primary Care & Specialist Copays, Open Access) — Silver
Gym Access IND Silver HMO OA Standard 1440 — Silver
Gym Access IND Silver HMO BC 7741 — Silver
Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access) — Silver
Gym Access IND Silver HMO BC 0941 — Silver
Gym Access IND Silver HMO OA 1009 — Silver
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
Gym Access IND Silver POS OA Standard 1440 — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
Gym Access IND Silver POS BC 7741 — Silver
UHC Silver Standard- — Silver
UHC Silver Standard — Silver
Gym Access IND Silver POS BC 0941 — Silver
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
Gym Access IND Silver POS OA 1009 — Silver
UHC Silver Standard+ (Dental + Vision) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
BlueSelect Silver 1443 ($10 Labs / Rewards) — 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
BlueSelect Silver 1456 ($50 PCP Visits / Rewards) — 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 26, 2026