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

Cost by age (2026, before subsidy)

• Age 21 — starting at $224.97/mo
• Age 40 — starting at $287.52/mo
• Age 60 — starting at $610.58/mo

Cost by metal level (age 40, 2026)

• Bronze — starting at $530.82/mo
• Silver — starting at $554.22/mo
• Gold — starting at $562.46/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, Cigna Healthcare, Cigna HealthCare of Florida, Inc., Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Health First Commercial Plans, Inc., Wellpoint

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.

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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 Indian River County (FIPS 12061).
• 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 (121)

• myBlue Bronze 26M02-24 (Rewards) — Bronze · $530.82/mo @ 40
• BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $691.79/mo @ 40
• BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $919.39/mo @ 40
• Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) — Catastrophic · $287.52/mo @ 40
• Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $577.20/mo @ 40
• Everyday Bronze — Expanded Bronze · $436.42/mo @ 40
• Standard Expanded Bronze — Expanded Bronze · $437.76/mo @ 40
• Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $448.23/mo @ 40
• Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $449.60/mo @ 40
• Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) — Expanded Bronze · $452.02/mo @ 40
• Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access) — Expanded Bronze · $477.34/mo @ 40
• Bronze Standard 1828 — Expanded Bronze · $481.64/mo @ 40
• Elite Bronze — Expanded Bronze · $498.50/mo @ 40
• Elite Bronze + Vision + Adult Dental — Expanded Bronze · $511.98/mo @ 40
• Connect Bronze Mid-South CMS Standard — Expanded Bronze · $523.88/mo @ 40
• Connect Bronze Mid-South 5500 Indiv Med Deductible — Expanded Bronze · $531.78/mo @ 40
• Connect myDiabetesCare Bronze Mid-South — Expanded Bronze · $532.25/mo @ 40
• Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) — Expanded Bronze · $533.00/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 · $558.32/mo @ 40
• Connect Bronze Mid-South 0 Indiv Med Deductible — Expanded Bronze · $585.43/mo @ 40
• myBlue Bronze 2322S ($50 PCP Visits / Rewards) — Expanded Bronze · $599.23/mo @ 40
• myBlue Bronze 2286 ($75 PCP Visits / Rewards) — Expanded Bronze · $600.35/mo @ 40
• myBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards) — Expanded Bronze · $606.97/mo @ 40
• Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $612.16/mo @ 40
• Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $621.59/mo @ 40
• Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Expanded Bronze · $626.94/mo @ 40
• Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $633.10/mo @ 40
• myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $647.22/mo @ 40
• myBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $651.29/mo @ 40
• myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $659.84/mo @ 40
• BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $717.89/mo @ 40
• BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $724.05/mo @ 40
• BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $729.16/mo @ 40
• BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $760.40/mo @ 40
• BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $764.42/mo @ 40
• BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $772.49/mo @ 40
• BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $953.95/mo @ 40
• BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $962.39/mo @ 40
• BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $969.34/mo @ 40
• BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $1012.48/mo @ 40

Showing first 40 of 121 plans on file.