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

In Saint Johns County, Florida, the benchmark silver plan costs $697.47/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $480.95 to $1984.67. A 60-year-old pays at least $1021.36/month, a 21-year-old at least $376.33. 6 insurers offer 143 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Saint Johns 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 $376.33/mo
Age 40 — starting at $480.95/mo
Age 60 — starting at $1021.36/mo

Cost by metal level (age 40, 2026)

Bronze — starting at $552.99/mo
Silver — starting at $654.04/mo
Gold — starting at $677.03/mo

Deductibles & out-of-pocket (2026)

Deductibles range from $0 to $10,150
Highest out-of-pocket maximum on file: $10,600

Who sells plans here

Ambetter Health, AvMed, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Florida Health Care Plans, Oscar Health Maintenance Organization of Florida

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 Saint Johns County (FIPS 12109).
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 (143)

myBlue Bronze 26M01-23 (Rewards) — Bronze · $552.99/mo @ 40
BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $617.36/mo @ 40
BlueCare Bronze 24K01-05 (Rewards) — Bronze · $678.50/mo @ 40
BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $820.48/mo @ 40
Gym Access IND Bronze HMO 1340 — Expanded Bronze · $480.95/mo @ 40
Everyday Bronze — Expanded Bronze · $515.03/mo @ 40
Standard Expanded Bronze — Expanded Bronze · $516.61/mo @ 40
Gym Access IND Bronze HMO OA Standard 2450 — Expanded Bronze · $526.19/mo @ 40
Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $528.97/mo @ 40
Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $530.59/mo @ 40
Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $544.25/mo @ 40
Gym Access IND Bronze Standardized HMO — Expanded Bronze · $546.61/mo @ 40
Bronze Classic Standard — Expanded Bronze · $573.96/mo @ 40
Bronze Classic 4700 — Expanded Bronze · $578.69/mo @ 40
Bronze Simple Diabetes — Expanded Bronze · $581.08/mo @ 40
Bronze Simple Chronic Care CKM — Expanded Bronze · $588.17/mo @ 40
Elite Bronze — Expanded Bronze · $588.29/mo @ 40
Gym Access IND Bronze HMO OA 1211 — Expanded Bronze · $592.56/mo @ 40
Elite Bronze + Vision + Adult Dental — Expanded Bronze · $604.20/mo @ 40
Gym Access IND Bronze POS OA Standard 2450 — Expanded Bronze · $605.12/mo @ 40
Bronze Elite + PCP Saver Plus — Expanded Bronze · $624.13/mo @ 40
Gym Access IND Bronze POS 1042 — Expanded Bronze · $628.70/mo @ 40
myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $629.96/mo @ 40
myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $630.90/mo @ 40
Gym Access IND Bronze POS BC 3841 — Expanded Bronze · $635.52/mo @ 40
myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $637.95/mo @ 40
BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $640.66/mo @ 40
BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $646.14/mo @ 40
BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $650.71/mo @ 40
AvMed Entrust Expanded Bronze Standard (2026) — Expanded Bronze · $662.68/mo @ 40
AvMed Entrust Bronze 650 (2026) — Expanded Bronze · $672.19/mo @ 40
BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $678.58/mo @ 40
myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $681.24/mo @ 40
Gym Access IND Bronze POS OA 1211 — Expanded Bronze · $681.44/mo @ 40
BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $682.18/mo @ 40
AvMed Entrust Bronze 600 (2026) — Expanded Bronze · $682.33/mo @ 40
myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $685.47/mo @ 40
BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $689.37/mo @ 40
myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $694.11/mo @ 40
BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $716.46/mo @ 40

Showing first 40 of 143 plans on file. Every remaining plan is listed below.

All other plans in Saint Johns County

BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) — Expanded Bronze
BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze
BlueCare Bronze 24K01-25 ($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 — Gold
Standard Gold — Gold
Everyday Gold — Gold
Standard Gold + Vision + Adult Dental — Gold
Gold Classic Standard — Gold
Everyday Gold + Vision + Adult Dental — Gold
Complete Gold — Gold
Gym Access IND Gold HMO H.S.A 9010 — Gold
Complete Gold + Vision + Adult Dental — Gold
Gym Access IND Gold HMO OA Standard 3450 — Gold
Gym Access IND Gold HMO 4500 — Gold
Gym Access IND Gold HMO BC 5651 — Gold
Gym Access IND Gold POS OA Standard 3450 — Gold
Gym Access IND Gold POS 55001 — Gold
AvMed Entrust Gold Standard (2026) — Gold
myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
AvMed Entrust Gold 125 (2026) — Gold
AvMed Entrust Gold 125 Dental+Vision (2026) — Gold
BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
Gym Access IND Gold POS BC 5651 — Gold
myBlue Gold 1605 ($0 Labs / Rewards) — Gold
BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold
myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / 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 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold
BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold
BlueCare Gold 24K01-08 ($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
BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
AvMed Entrust Platinum 25 (2026) — Platinum
AvMed Entrust Platinum 25 Dental+Vision (2026) — Platinum
AvMed Entrust Platinum Standard (2026) — Platinum
BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum
BlueCare Platinum 24K01-34S ($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
Gym Access IND Silver HMO OA Standard 1440 — Silver
Standard Silver — Silver
Focused Silver — Silver
Gym Access IND Silver HMO BC 7741 — Silver
Standard Silver + Vision + Adult Dental — Silver
Enhanced Diabetes Care Silver with $0 Drug Options — Silver
Gym Access IND Silver HMO BC 0941 — Silver
Focused Silver + Vision + Adult Dental — Silver
myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) — Silver
Gym Access IND Silver HMO OA 1009 — Silver
myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) — Silver
myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) — Silver
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) — Silver
Silver Simple PCP Saver — Silver
Silver Classic Standard — Silver
Silver Simple Breathe Easy with Enhanced COPD Benefits — Silver
myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) — Silver
Silver Simple Diabetes — Silver
Silver Simple Women's Health with Menopause Benefits — Silver
Silver Simple Chronic Care CKM — Silver
myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) — Silver
myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) — Silver
Silver Elite — Silver
myBlue Silver 2237 ($60 PCP Visits / Rewards) — Silver
myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) — Silver
myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) — Silver
myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
Gym Access IND Silver POS OA Standard 1440 — Silver
Gym Access IND Silver POS BC 7741 — Silver
BlueSelect Silver 1443 ($10 Labs / Rewards) — Silver
Gym Access IND Silver POS BC 0941 — Silver
AvMed Entrust Silver Standard (2026) — Silver
BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) — Silver
Gym Access IND Silver POS OA 1009 — Silver
BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) — Silver
BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
AvMed Entrust Silver 550 (2026) — Silver
AvMed Entrust Silver 550 Dental+Vision (2026) — Silver
BlueSelect Silver 1456 ($50 PCP Visits / Rewards) — Silver
AvMed Entrust Silver 350 (2026) — Silver
AvMed Entrust Silver 350 Dental+Vision (2026) — Silver
BlueCare Silver 24K01-02 ($10 Labs / Rewards) — Silver
BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) — Silver
BlueCare Silver 24K01-06 ($50 PCP 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