What health insurance costs without a subsidy in Highlands County, Florida (2026)
In Highlands County, Florida, the benchmark silver plan costs $671.68/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $495.88 to $2238.52. A 60-year-old pays at least $1053.06/month, a 21-year-old at least $388.02. 4 insurers offer 94 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 $388.02/mo
- Age 40 — starting at $495.88/mo
- Age 60 — starting at $1053.06/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $584.26/mo
- Silver — starting at $629.72/mo
- Gold — starting at $657.34/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), 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.
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 Highlands County (FIPS 12055).
- 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 (94)
- myBlue Bronze 26M01-23 (Rewards) — Bronze · $584.26/mo @ 40
- BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $696.32/mo @ 40
- UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $836.32/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $836.43/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $925.41/mo @ 40
- Everyday Bronze — Expanded Bronze · $495.88/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $497.40/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $509.29/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $510.85/mo @ 40
- Elite Bronze — Expanded Bronze · $566.41/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $581.73/mo @ 40
- myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $665.60/mo @ 40
- myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $666.58/mo @ 40
- myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $674.03/mo @ 40
- myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $719.77/mo @ 40
- BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $722.59/mo @ 40
- myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $724.23/mo @ 40
- BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $728.79/mo @ 40
- myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $733.37/mo @ 40
- BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $733.94/mo @ 40
- BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $765.38/mo @ 40
- BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $769.43/mo @ 40
- BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $777.55/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $876.31/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $907.16/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $907.92/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $938.77/mo @ 40
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $960.19/mo @ 40
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $968.69/mo @ 40
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $975.68/mo @ 40
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $1019.10/mo @ 40
- Standard Gold — Gold · $657.34/mo @ 40
- Everyday Gold — Gold · $671.57/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $675.12/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $689.74/mo @ 40
- Complete Gold — Gold · $694.01/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $712.79/mo @ 40
- myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $969.81/mo @ 40
- myBlue Gold 1605 ($0 Labs / Rewards) — Gold · $986.33/mo @ 40
- myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1021.36/mo @ 40
Showing first 40 of 94 plans on file.
Reviewed by Jason Burns, Editorial Steward.