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

In Orange County, Florida, the benchmark silver plan costs $680.08/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $330.34 to $2494.31. A 60-year-old pays at least $701.52/month, a 21-year-old at least $258.48. 11 insurers offer 208 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Orange 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 $258.48/mo
Age 40 — starting at $330.34/mo
Age 60 — starting at $701.52/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $527.41/mo
Silver — starting at $675.76/mo
Gold — starting at $623.75/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, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Health First Commercial Plans, Inc., Molina Healthcare, Oscar Health Maintenance Organization of Florida, UnitedHealthcare, 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

Estimate your own number →

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 Orange County (FIPS 12095).
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 (208)

myBlue Bronze 26M01-23 (Rewards) — Bronze · $527.41/mo @ 40
AmeriHealth Caritas Next Bronze Essential + No Referrals — Bronze · $530.94/mo @ 40
UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $616.97/mo @ 40
UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $617.04/mo @ 40
BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $775.89/mo @ 40
BlueCare Bronze 24K02-18 (Rewards) — Bronze · $881.59/mo @ 40
BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $1031.15/mo @ 40
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) — Catastrophic · $330.34/mo @ 40
Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $528.59/mo @ 40
Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $501.42/mo @ 40
Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) — Expanded Bronze · $519.34/mo @ 40
Bronze Classic Standard | with AdventHealth — Expanded Bronze · $528.79/mo @ 40
Everyday Bronze — Expanded Bronze · $532.13/mo @ 40
Standard Expanded Bronze — Expanded Bronze · $533.76/mo @ 40
AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $533.86/mo @ 40
AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $533.86/mo @ 40
Bronze Classic 4700 | with AdventHealth — Expanded Bronze · $542.13/mo @ 40
Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $546.53/mo @ 40
Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $548.21/mo @ 40
Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access) — Expanded Bronze · $548.43/mo @ 40
Bronze Standard 1828 — Expanded Bronze · $553.38/mo @ 40
Bronze Classic Standard — Expanded Bronze · $554.47/mo @ 40
Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $560.62/mo @ 40
Bronze Simple Diabetes — Expanded Bronze · $561.39/mo @ 40
Bronze Simple Chronic Care CKM — Expanded Bronze · $568.29/mo @ 40
Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $569.25/mo @ 40
Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Expanded Bronze · $574.14/mo @ 40
Standard Expanded Bronze VALUE — Expanded Bronze · $574.37/mo @ 40
AvMed Entrust Expanded Bronze Standard (2026) — Expanded Bronze · $574.62/mo @ 40
Bronze Elite + PCP Saver Plus | with AdventHealth — Expanded Bronze · $575.02/mo @ 40
Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $579.79/mo @ 40
AvMed Entrust Bronze 650 (2026) — Expanded Bronze · $582.86/mo @ 40
AvMed Entrust Bronze 600 (2026) — Expanded Bronze · $591.65/mo @ 40
myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $600.83/mo @ 40
myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $601.72/mo @ 40
Elite Bronze — Expanded Bronze · $607.82/mo @ 40
myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $608.44/mo @ 40
Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) — Expanded Bronze · $612.39/mo @ 40
Molina Bronze Standard — Expanded Bronze · $620.63/mo @ 40
Elite Bronze + Vision + Adult Dental — Expanded Bronze · $624.27/mo @ 40

Showing first 40 of 208 plans on file. Every remaining plan is listed below.

All other plans in Orange County

Connect Bronze Orlando CMS Standard — Expanded Bronze
Connect Bronze Orlando 6000 Indiv Med Deductible — Expanded Bronze
Molina Bronze Enhanced 3500 — Expanded Bronze
Molina Bronze Enhanced 3500 Pluswith Adult Vision — Expanded Bronze
Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) — Expanded Bronze
Connect Bronze Orlando 3000 Indiv Med Deductible — Expanded Bronze
UHC Bronze Standard — Expanded Bronze
myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze
myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze
Elite VALUE Bronze — Expanded Bronze
Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision — Expanded Bronze
myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze
UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze
Molina Bronze Premier with $0 Medical Deductible — Expanded Bronze
Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision — Expanded Bronze
Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision — Expanded Bronze
BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze
BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze
BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze
BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze
BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze
BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze
BlueCare Bronze 24K02-26S ($50 PCP Visits / Rewards) — Expanded Bronze
BlueCare Bronze 24K02-17 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze
BlueCare Bronze 24K02-23 ($50 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze
BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze
BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze
BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze
Gold Simple | with AdventHealth — Gold
Gold Elite Saver Plus | with AdventHealth — Gold
Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) — Gold
Gold Classic Standard | with AdventHealth — Gold
Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access) — Gold
Gold Standard 1833 — Gold
Gold Classic Standard — Gold
Standard Gold — Gold
Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) — Gold
Everyday Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold — Gold
Gold 1742 + Adult Dental + Adult Vision (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) — Gold
Standard Gold VALUE — Gold
Complete Gold + Vision + Adult Dental — Gold
AmeriHealth Caritas Next Gold Signature + No Referrals — Gold
AvMed Entrust Gold Standard (2026) — Gold
Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold
AvMed Entrust Gold 125 (2026) — Gold
AmeriHealth Caritas Next Gold Premier + No Referrals — Gold
Complete VALUE Gold — Gold
AvMed Entrust Gold 125 Dental+Vision (2026) — Gold
Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — 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
Molina Gold Enhanced 895 — Gold
Molina Gold Core 1640 — Gold
Connect Gold Orlando 1500 Indiv Med Deductible — Gold
Molina Gold Enhanced 895 Pluswith Adult Vision — Gold
Molina Gold Core 1640 Pluswith Adult Vision — Gold
Connect Gold Orlando CMS Standard — Gold
Molina Gold Enhanced 895 Plus with Adult Dental and Vision — Gold
Molina Gold Core 1640 Plus with Adult Dental and Vision — Gold
Molina Gold Standard — Gold
myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
myBlue Gold 1605 ($0 Labs / Rewards) — Gold
myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) — Gold
UHC Gold Standard — Gold
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — 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
BlueCare Gold 24K02-28S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
BlueCare Gold 24K02-20 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / 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
AvMed Entrust Platinum 25 (2026) — Platinum
AvMed Entrust Platinum 25 Dental+Vision (2026) — Platinum
AvMed Entrust Platinum Standard (2026) — Platinum
myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
myBlue Platinum 24M05-00S ($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
BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K02-29S ($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
Silver Savings 1821 (Primary Care Copay, Open Access) — Silver
myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards) — Silver
Silver Simple PCP Saver | with AdventHealth — Silver
Silver Standard 1829 — Silver
myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards) — Silver
AmeriHealth Caritas Next Silver Essential + No Referrals — Silver
Silver Classic Standard | with AdventHealth — Silver
Silver Simple Diabetes | with AdventHealth — Silver
Silver Simple Chronic Care CKM | with AdventHealth — Silver
myBlue Silver 26M03-02E ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 25M03-01 ($0 Primary Care Visits with Select Providers / Rewards) — Silver
Silver Elite | with AdventHealth — Silver
myBlue Silver 25M03-01V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards) — Silver
myBlue Connected Care Silver 24M03-70 ($0 Primary Care Visits with Select Providers / Rewards) — Silver
myBlue Silver 24M03-70V ($0 Primary Care Visits with Select Providers / Adult Vision / Rewards) — Silver
myBlue Silver 25M03-01E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards) — Silver
Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access) — Silver
myBlue Silver 24M03-70E ($0 Primary Care Visits with Select Providers / Adult Dental & Vision / Rewards) — Silver
AmeriHealth Caritas Next Silver Signature + No Referrals — Silver
AvMed Entrust Silver Standard (2026) — Silver
Standard Silver — Silver
Silver Classic Standard — Silver
Silver Simple Breathe Easy with Enhanced COPD Benefits — Silver
myBlue Silver 2237 ($60 PCP Visits / Rewards) — Silver
Silver Simple Women's Health with Menopause Benefits — Silver
Silver 1664 (Primary Care & Specialist Copays, Open Access) — Silver
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Clarity VALUE Silver — Silver
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Focused Silver — Silver
myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) — Silver
AvMed Entrust Silver 550 (2026) — Silver
AvMed Entrust Silver 550 Dental+Vision (2026) — Silver
Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
Standard Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Silver
Focused Silver + Vision + Adult Dental — Silver
AmeriHealth Caritas Next Silver Premier + No Referrals — Silver
AvMed Entrust Silver 350 (2026) — Silver
Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access) — Silver
AvMed Entrust Silver 350 Dental+Vision (2026) — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
Standard Silver VALUE — Silver
Focused VALUE Silver — Silver
Molina Silver Saver with Four Free PCP Visits — Silver
Molina Silver Core — Silver
Molina Silver Core Pluswith Adult Vision — Silver
Molina Silver Core Plus with Adult Dental and Vision — Silver
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) — Silver
Molina Silver Standard — Silver
UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) — Silver
UHC Silver Standard- — Silver
UHC Silver Standard — 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
Connect Silver Orlando CMS Standard — Silver
Connect Silver Orlando 3500 Indiv Med Deductible — Silver
Connect Silver Orlando 5000 Indiv Med Deductible — 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
BlueCare Silver 24K02-21 ($10 Labs / Rewards) — Silver
BlueCare Silver 24K02-27S ($40 PCP Visits / $80 Specialist 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 27, 2026