What health insurance costs without a subsidy in Monroe County, Florida (2026)
In Monroe County, Florida, the benchmark silver plan costs $1277.62/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $949.07 to $3051.03. A 60-year-old pays at least $2015.47/month, a 21-year-old at least $742.62. 1 insurers offer 33 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 $742.62/mo
- Age 40 — starting at $949.07/mo
- Age 60 — starting at $2015.47/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $949.07/mo
- Silver — starting at $1272.01/mo
- Gold — starting at $1430.48/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $7,500
- Highest out-of-pocket maximum on file: $10,150
Who sells plans here
Florida Blue (BlueCross BlueShield FL)
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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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Monroe County (FIPS 12087).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Florida
- Hamilton County — $1263.70/mo benchmark
- Lafayette County — $991.19/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 (33)
- BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $949.07/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $1261.31/mo @ 40
- BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $984.88/mo @ 40
- BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $993.31/mo @ 40
- BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $1000.33/mo @ 40
- BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $1043.18/mo @ 40
- BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $1048.71/mo @ 40
- BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $1059.77/mo @ 40
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $1308.71/mo @ 40
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $1320.29/mo @ 40
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $1329.82/mo @ 40
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $1389.01/mo @ 40
- BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1430.48/mo @ 40
- BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $1464.33/mo @ 40
- BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $1502.95/mo @ 40
- BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) — Gold · $1508.51/mo @ 40
- BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $2143.01/mo @ 40
- BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $2193.93/mo @ 40
- BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $2253.55/mo @ 40
- BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum · $1873.82/mo @ 40
- BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum · $1925.79/mo @ 40
- BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum · $2006.98/mo @ 40
- BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum · $2846.11/mo @ 40
- BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum · $2928.09/mo @ 40
- BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum · $3051.03/mo @ 40
- BlueSelect Silver 1443 ($10 Labs / Rewards) — Silver · $1272.01/mo @ 40
- BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) — Silver · $1277.62/mo @ 40
- BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) — Silver · $1288.81/mo @ 40
- BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver · $1293.09/mo @ 40
- BlueSelect Silver 1456 ($50 PCP Visits / Rewards) — Silver · $1307.70/mo @ 40
- BlueOptions Silver 24J01-03 ($10 Labs / Rewards) — Silver · $2039.13/mo @ 40
- BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver · $2177.99/mo @ 40
- BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) — Silver · $2203.26/mo @ 40
Reviewed by Jason Burns, Editorial Steward.