What health insurance costs without a subsidy in Hamilton County, Florida (2026)
In Hamilton County, Florida, the benchmark silver plan costs $1263.70/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $932.95 to $3032.59. A 60-year-old pays at least $1981.23/month, a 21-year-old at least $730.02. 2 insurers offer 52 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 $730.02/mo
- Age 40 — starting at $932.95/mo
- Age 60 — starting at $1981.23/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $943.33/mo
- Silver — starting at $1184.76/mo
- Gold — starting at $1236.71/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $8,450
- Highest out-of-pocket maximum on file: $10,500
Who sells plans here
Ambetter Health, Florida Blue (BlueCross BlueShield FL)
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 Hamilton County (FIPS 12047).
- 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
- Lafayette County — $991.19/mo benchmark
- Union County — $949.75/mo benchmark
- Washington County — $898.81/mo benchmark
- Hardee County — $875.53/mo benchmark
Plans available in this county (52)
- BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $943.33/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $1253.68/mo @ 40
- Everyday Bronze — Expanded Bronze · $932.95/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $935.81/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $958.19/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $961.12/mo @ 40
- BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $978.92/mo @ 40
- BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $987.31/mo @ 40
- BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $994.28/mo @ 40
- BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $1036.88/mo @ 40
- BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $1042.38/mo @ 40
- BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $1053.35/mo @ 40
- Elite Bronze — Expanded Bronze · $1065.64/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $1094.47/mo @ 40
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $1300.80/mo @ 40
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $1312.31/mo @ 40
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $1321.78/mo @ 40
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $1380.61/mo @ 40
- Standard Gold — Gold · $1236.71/mo @ 40
- Everyday Gold — Gold · $1263.49/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $1270.17/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $1297.68/mo @ 40
- Complete Gold — Gold · $1305.71/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $1341.04/mo @ 40
- BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1421.83/mo @ 40
- BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $1455.48/mo @ 40
- BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $1493.87/mo @ 40
- BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) — Gold · $1499.40/mo @ 40
- BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $2130.07/mo @ 40
- BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $2180.68/mo @ 40
- BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $2239.93/mo @ 40
- BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum · $1862.49/mo @ 40
- BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum · $1914.15/mo @ 40
- BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum · $1994.84/mo @ 40
- BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum · $2828.90/mo @ 40
- BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum · $2910.39/mo @ 40
- BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum · $3032.59/mo @ 40
- Clarity Silver — Silver · $1184.76/mo @ 40
- Standard Silver — Silver · $1263.70/mo @ 40
- BlueSelect Silver 1443 ($10 Labs / Rewards) — Silver · $1264.33/mo @ 40
Showing first 40 of 52 plans on file.
Reviewed by Jason Burns, Editorial Steward.