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.
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.
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 Orange County (FIPS 12095).
- 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
- Lafayette County — $991.19/mo benchmark
- Union County — $949.75/mo benchmark
- Washington County — $898.81/mo benchmark
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 Signature + No Referrals — Expanded Bronze · $533.86/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + 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.
Reviewed by Jason Burns, Editorial Steward.