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. 2027 plans for Highlands 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 $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.

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 Highlands County (FIPS 12055).
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 (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. Every remaining plan is listed below.

All other plans in Highlands County

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
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
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — 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
myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 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
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
Focused Silver — Silver
Standard Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Focused Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) — Silver
myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) — Silver
myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) — Silver
myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) — Silver
myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) — Silver
myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) — Silver
myBlue Silver 2237 ($60 PCP Visits / Rewards) — Silver
myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) — Silver
myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) — 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
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
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
UHC Silver Standard+ (Dental + Vision) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — 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 27, 2026