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

In Jefferson County, Florida, the benchmark silver plan costs $618.59/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $460.75 to $2091.22. A 60-year-old pays at least $978.47/month, a 21-year-old at least $360.54. 5 insurers offer 83 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Jefferson 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 $360.54/mo
Age 40 — starting at $460.75/mo
Age 60 — starting at $978.47/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $473.04/mo
Silver — starting at $585.12/mo
Gold — starting at $610.78/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, Capital Health Plan, 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

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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 Jefferson County (FIPS 12065).
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 (83)

Capital Health Plan HMO Bronze 1100 — Bronze · $473.04/mo @ 40
myBlue Bronze 26M02-24 (Rewards) — Bronze · $640.92/mo @ 40
UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $650.91/mo @ 40
UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $650.99/mo @ 40
BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $864.52/mo @ 40
Everyday Bronze — Expanded Bronze · $460.75/mo @ 40
Standard Expanded Bronze — Expanded Bronze · $462.17/mo @ 40
Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $473.22/mo @ 40
Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $474.67/mo @ 40
Capital Health Plan HMO Bronze 1000 — Expanded Bronze · $493.59/mo @ 40
Elite Bronze — Expanded Bronze · $526.29/mo @ 40
Elite Bronze + Vision + Adult Dental — Expanded Bronze · $540.53/mo @ 40
UHC Bronze Standard — Expanded Bronze · $682.03/mo @ 40
UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $706.04/mo @ 40
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $706.64/mo @ 40
myBlue Bronze 2322S ($50 PCP Visits / Rewards) — Expanded Bronze · $723.53/mo @ 40
myBlue Bronze 2286 ($75 PCP Visits / Rewards) — Expanded Bronze · $724.87/mo @ 40
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $730.65/mo @ 40
myBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards) — Expanded Bronze · $732.88/mo @ 40
myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $781.46/mo @ 40
myBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $786.39/mo @ 40
myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $796.71/mo @ 40
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $897.00/mo @ 40
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $904.94/mo @ 40
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $911.47/mo @ 40
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $952.05/mo @ 40
Standard Gold — Gold · $610.78/mo @ 40
Everyday Gold — Gold · $624.00/mo @ 40
Standard Gold + Vision + Adult Dental — Gold · $627.30/mo @ 40
Capital Health Plan HMO Gold 3100 — Gold · $637.33/mo @ 40
Everyday Gold + Vision + Adult Dental — Gold · $640.88/mo @ 40
Complete Gold — Gold · $644.85/mo @ 40
Complete Gold + Vision + Adult Dental — Gold · $662.30/mo @ 40
Capital Health Plan HMO Gold 3000 — Gold · $697.24/mo @ 40
UHC Gold Standard — Gold · $984.89/mo @ 40
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $993.38/mo @ 40
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) — Gold · $1011.45/mo @ 40
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — Gold · $1035.46/mo @ 40
myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1049.85/mo @ 40
myBlue Gold 2011 ($0 Labs / Rewards) — Gold · $1067.64/mo @ 40

Showing first 40 of 83 plans on file. Every remaining plan is listed below.

All other plans in Jefferson County

myBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / 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
Capital Health Plan HMO Platinum 4000 — Platinum
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
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
Capital Health Plan HMO Silver 2400 — 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
Capital Health Plan HMO Silver 2300 — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
Capital Health Plan HMO Silver 2100 — 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
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
myBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards) — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
myBlue Silver 2010 (Rewards) — Silver
myBlue Silver 2010V (Adult Vision / Rewards) — Silver
UHC Silver Standard- — Silver
UHC Silver Standard — Silver
myBlue Silver 2010E (Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards) — 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