What health insurance costs without a subsidy in Palm Beach County, Florida (2026)
In Palm Beach County, Florida, the benchmark silver plan costs $676.38/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $490.59 to $2220.81. A 60-year-old pays at least $1041.82/month, a 21-year-old at least $383.87. 11 insurers offer 195 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 $383.87/mo
- Age 40 — starting at $490.59/mo
- Age 60 — starting at $1041.82/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $551.60/mo
- Silver — starting at $674.23/mo
- Gold — starting at $616.82/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, Cigna HealthCare of Florida, Inc., Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), 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.
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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 Palm Beach County (FIPS 12099).
- 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 (195)
- myBlue Bronze 26M01-23 (Rewards) — Bronze · $551.60/mo @ 40
- UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $566.12/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $566.19/mo @ 40
- AmeriHealth Caritas Next Bronze Essential + No Referrals — Bronze · $576.16/mo @ 40
- BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $690.81/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $918.09/mo @ 40
- BlueCare Bronze 24K02-18 (Rewards) — Bronze · $922.01/mo @ 40
- Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $490.59/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $495.85/mo @ 40
- Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $520.30/mo @ 40
- Connect Bronze Mid-South CMS Standard — Expanded Bronze · $520.35/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $522.92/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $527.22/mo @ 40
- Connect Bronze Mid-South 5500 Indiv Med Deductible — Expanded Bronze · $528.20/mo @ 40
- Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $528.31/mo @ 40
- Connect myDiabetesCare Bronze Mid-South — Expanded Bronze · $528.66/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $529.40/mo @ 40
- Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Expanded Bronze · $532.85/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $535.87/mo @ 40
- Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $538.09/mo @ 40
- AvMed Entrust Expanded Bronze Standard (2026) — Expanded Bronze · $550.47/mo @ 40
- AvMed Entrust Bronze 650 (2026) — Expanded Bronze · $558.38/mo @ 40
- AvMed Entrust Bronze 600 (2026) — Expanded Bronze · $566.79/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $568.63/mo @ 40
- Molina Bronze Standard — Expanded Bronze · $570.39/mo @ 40
- AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $579.33/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $579.33/mo @ 40
- Connect Bronze Mid-South 0 Indiv Med Deductible — Expanded Bronze · $581.48/mo @ 40
- Molina Bronze Enhanced 3500 — Expanded Bronze · $584.39/mo @ 40
- Molina Bronze Enhanced 3500 Pluswith Adult Vision — Expanded Bronze · $588.46/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $593.19/mo @ 40
- Everyday Bronze — Expanded Bronze · $602.16/mo @ 40
- Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision — Expanded Bronze · $602.82/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $604.01/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $614.07/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $614.59/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $618.46/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $620.35/mo @ 40
- myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $628.38/mo @ 40
- myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $629.31/mo @ 40
Showing first 40 of 195 plans on file.
Reviewed by Jason Burns, Editorial Steward.