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

In Gilchrist County, Florida, the benchmark silver plan costs $785.73/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $586.41 to $2356.47. A 60-year-old pays at least $1245.32/month, a 21-year-old at least $458.86. 3 insurers offer 72 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 $458.86/mo
Age 40 — starting at $586.41/mo
Age 60 — starting at $1245.32/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $599.08/mo
Silver — starting at $744.69/mo
Gold — starting at $777.35/mo

Deductibles & out-of-pocket (2026)

Deductibles range from $0 to $10,125
Highest out-of-pocket maximum on file: $10,500

Who sells plans here

Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company)

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 1-866-254-9580 — private U65 quote See your subsidized price at acadirectanswers.com

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Sources

CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Gilchrist County (FIPS 12041).
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

All Florida counties →

Plans available in this county (72)

myBlue Bronze 26M01-23 (Rewards) — Bronze · $599.08/mo @ 40
BlueCare Bronze 24K01-05 (Rewards) — Bronze · $735.05/mo @ 40
BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $974.17/mo @ 40
Everyday Bronze — Expanded Bronze · $586.41/mo @ 40
Standard Expanded Bronze — Expanded Bronze · $588.21/mo @ 40
Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $602.28/mo @ 40
Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $604.12/mo @ 40
Elite Bronze — Expanded Bronze · $669.82/mo @ 40
myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $682.48/mo @ 40
myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $683.47/mo @ 40
Elite Bronze + Vision + Adult Dental — Expanded Bronze · $687.94/mo @ 40
myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $691.12/mo @ 40
myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $738.02/mo @ 40
myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $742.59/mo @ 40
myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $751.96/mo @ 40
BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $776.18/mo @ 40
BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) — Expanded Bronze · $776.30/mo @ 40
BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $793.98/mo @ 40
BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $839.10/mo @ 40
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $1010.78/mo @ 40
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $1019.73/mo @ 40
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $1027.09/mo @ 40
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $1072.80/mo @ 40
Standard Gold — Gold · $777.35/mo @ 40
Everyday Gold — Gold · $794.18/mo @ 40
Standard Gold + Vision + Adult Dental — Gold · $798.38/mo @ 40
Everyday Gold + Vision + Adult Dental — Gold · $815.66/mo @ 40
Complete Gold — Gold · $820.71/mo @ 40
Complete Gold + Vision + Adult Dental — Gold · $842.92/mo @ 40
myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $994.40/mo @ 40
myBlue Gold 1605 ($0 Labs / Rewards) — Gold · $1011.33/mo @ 40
myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1047.27/mo @ 40
BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1156.41/mo @ 40
BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $1184.90/mo @ 40
BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $1226.48/mo @ 40
BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1655.16/mo @ 40
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $1694.49/mo @ 40
BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $1740.52/mo @ 40
myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum · $1355.10/mo @ 40
myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum · $1419.53/mo @ 40

Showing first 40 of 72 plans on file.

Reviewed by Jason Burns, Editorial Steward.