What health insurance costs without a subsidy in Seminole County, Florida (2026)
In Seminole County, Florida, the benchmark silver plan costs $699.04/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $507.92 to $2599.87. A 60-year-old pays at least $1078.64/month, a 21-year-old at least $397.45. 11 insurers offer 215 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 $397.45/mo
- Age 40 — starting at $507.92/mo
- Age 60 — starting at $1078.64/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $539.16/mo
- Silver — starting at $692.85/mo
- Gold — starting at $631.83/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), Florida Health Care Plans, 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 Seminole County (FIPS 12117).
- 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 (215)
- AmeriHealth Caritas Next Bronze Essential + No Referrals — Bronze · $539.16/mo @ 40
- myBlue Bronze 26M01-23 (Rewards) — Bronze · $562.86/mo @ 40
- UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $625.96/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $626.04/mo @ 40
- BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $808.73/mo @ 40
- BlueCare Bronze 24K02-18 (Rewards) — Bronze · $940.85/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $1074.80/mo @ 40
- Wellpoint Essential Catastrophic (+ Incentives) — Catastrophic · $556.19/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $507.92/mo @ 40
- Bronze Classic Standard | with AdventHealth — Expanded Bronze · $535.65/mo @ 40
- Gym Access IND Bronze HMO 1340 — Expanded Bronze · $541.35/mo @ 40
- AmeriHealth Caritas Next Bronze Signature + No Referrals — Expanded Bronze · $542.12/mo @ 40
- AmeriHealth Caritas Next Bronze Premier + No Referrals — Expanded Bronze · $542.12/mo @ 40
- Bronze Classic 4700 | with AdventHealth — Expanded Bronze · $549.16/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $561.66/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $568.67/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $575.65/mo @ 40
- Bronze Elite + PCP Saver Plus | with AdventHealth — Expanded Bronze · $582.47/mo @ 40
- Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $589.87/mo @ 40
- Gym Access IND Bronze HMO OA Standard 2450 — Expanded Bronze · $592.26/mo @ 40
- Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $598.96/mo @ 40
- Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — Expanded Bronze · $604.11/mo @ 40
- Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $610.04/mo @ 40
- Molina Bronze Standard — Expanded Bronze · $610.12/mo @ 40
- Gym Access IND Bronze Standardized HMO — Expanded Bronze · $615.24/mo @ 40
- Molina Bronze Enhanced 3500 — Expanded Bronze · $625.09/mo @ 40
- Molina Bronze Enhanced 3500 Pluswith Adult Vision — Expanded Bronze · $629.45/mo @ 40
- AvMed Entrust Expanded Bronze Standard (2026) — Expanded Bronze · $636.54/mo @ 40
- myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $641.22/mo @ 40
- myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $642.16/mo @ 40
- Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision — Expanded Bronze · $644.81/mo @ 40
- AvMed Entrust Bronze 650 (2026) — Expanded Bronze · $645.67/mo @ 40
- Everyday Bronze — Expanded Bronze · $646.41/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $648.39/mo @ 40
- myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $649.34/mo @ 40
- AvMed Entrust Bronze 600 (2026) — Expanded Bronze · $655.41/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $655.89/mo @ 40
- Connect Bronze Orlando CMS Standard — Expanded Bronze · $655.92/mo @ 40
- Connect Bronze Orlando 6000 Indiv Med Deductible — Expanded Bronze · $656.90/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $663.89/mo @ 40
Showing first 40 of 215 plans on file.
Reviewed by Jason Burns, Editorial Steward.