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

In Indian River County, Florida, the benchmark silver plan costs $591.15/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $287.52 to $2223.96. A 60-year-old pays at least $610.58/month, a 21-year-old at least $224.97. 7 insurers offer 121 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Indian River 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 $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.

Call 1-855-333-3555 — private U65 quote See your subsidized price at acadirectanswers.com

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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 (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Indian River County (FIPS 12061).
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 (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. Every remaining plan is listed below.

All other plans in Indian River County

Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) — Gold
Standard Gold — Gold
Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access) — Gold
Everyday Gold — Gold
Gold Standard 1833 — Gold
Standard Gold + Vision + Adult Dental — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold — Gold
Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) — Gold
Complete Gold + Vision + Adult Dental — Gold
Gold 1742 + Adult Dental + Adult Vision (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) — Gold
Partnered Care Premier Gold — Gold
Connect Gold Mid-South 2250 Indiv Med Deductible — Gold
Partnered Care Gold CMS Standard — Gold
Connect Gold Mid-South CMS Standard — Gold
Connect Gold Mid-South 850 Indiv Med Deductible — Gold
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
myBlue Gold 2011 ($0 Labs / Rewards) — Gold
Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Gold
Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
myBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) — Gold
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
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 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 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
Silver Savings 1821 (Primary Care Copay, Open Access) — Silver
Silver Standard 1829 — 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
Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access) — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
Silver 1664 (Primary Care & Specialist Copays, Open Access) — Silver
Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access) — Silver
myBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards) — Silver
myBlue Silver 26M02-04V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) — Silver
myBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards) — Silver
myBlue Silver 26M02-04E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 25M02-03V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) — Silver
myBlue Silver 25M02-03E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 24M02-78 ($50 PCP Visits / $20 Labs / Rewards) — Silver
myBlue Silver 24M02-78V ($50 PCP Visits / $20 Labs / Adult Vision / Rewards) — Silver
myBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2010 (Rewards) — Silver
myBlue Silver 2010V (Adult Vision / Rewards) — Silver
myBlue Silver 2010E (Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
Partnered Care Classic Silver — Silver
Partnered Care Premier Silver — Silver
Connect Silver Mid-South 4500 Indiv Med Deductible — Silver
Connect Silver Mid-South 3800 Indiv Med Deductible — Silver
Connect Silver Mid-South CMS Standard — Silver
Partnered Care Silver CMS Standard — Silver
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — 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
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 25, 2026