What health insurance costs without a subsidy in Lafayette County, Florida (2026)
In Lafayette County, Florida, the benchmark silver plan costs $991.19/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $731.76 to $1828.14. A 60-year-old pays at least $1553.98/month, a 21-year-old at least $572.59. 3 insurers offer 58 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 $572.59/mo
- Age 40 — starting at $731.76/mo
- Age 60 — starting at $1553.98/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $755.76/mo
- Silver — starting at $929.27/mo
- Gold — starting at $970.02/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,125
- Highest out-of-pocket maximum on file: $10,500
Who sells plans here
Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company)
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 Lafayette County (FIPS 12067).
- 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
- Union County — $949.75/mo benchmark
- Washington County — $898.81/mo benchmark
- Hardee County — $875.53/mo benchmark
Plans available in this county (58)
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $755.76/mo @ 40
- myBlue Bronze 26M01-23 (Rewards) — Bronze · $755.89/mo @ 40
- Everyday Bronze — Expanded Bronze · $731.76/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $734.00/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $751.56/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $753.86/mo @ 40
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $784.17/mo @ 40
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $791.11/mo @ 40
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $796.81/mo @ 40
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $832.28/mo @ 40
- Elite Bronze — Expanded Bronze · $835.84/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $858.45/mo @ 40
- myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $861.12/mo @ 40
- myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $862.38/mo @ 40
- myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $872.03/mo @ 40
- myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $931.20/mo @ 40
- myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $936.97/mo @ 40
- myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $948.80/mo @ 40
- Standard Gold — Gold · $970.02/mo @ 40
- Everyday Gold — Gold · $991.02/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $996.26/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $1017.83/mo @ 40
- Complete Gold — Gold · $1024.14/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $1051.85/mo @ 40
- myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1254.68/mo @ 40
- myBlue Gold 1605 ($0 Labs / Rewards) — Gold · $1276.06/mo @ 40
- BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1284.07/mo @ 40
- BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $1314.58/mo @ 40
- myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1321.40/mo @ 40
- BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $1350.30/mo @ 40
- BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum · $1705.36/mo @ 40
- myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum · $1709.81/mo @ 40
- BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum · $1754.48/mo @ 40
- myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum · $1791.09/mo @ 40
- BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum · $1828.14/mo @ 40
- Clarity Silver — Silver · $929.27/mo @ 40
- Standard Silver — Silver · $991.19/mo @ 40
- myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) — Silver · $991.40/mo @ 40
- myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) — Silver · $997.36/mo @ 40
- Focused Silver — Silver · $1003.14/mo @ 40
Showing first 40 of 58 plans on file.
Reviewed by Jason Burns, Editorial Steward.