What health insurance costs without a subsidy in Sumter County, Florida (2026)
In Sumter County, Florida, the benchmark silver plan costs $643.47/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $475.05 to $1596.38. A 60-year-old pays at least $1008.83/month, a 21-year-old at least $371.73. 3 insurers offer 91 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 $371.73/mo
- Age 40 — starting at $475.05/mo
- Age 60 — starting at $1008.83/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $496.58/mo
- Silver — starting at $603.27/mo
- Gold — starting at $629.73/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,125
- Highest out-of-pocket maximum on file: $10,500
Who sells plans here
Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company)
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 Sumter County (FIPS 12119).
- 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 (91)
- BlueSelect Bronze 24L01-01 (Rewards) — Bronze · $496.58/mo @ 40
- myBlue Bronze 26M01-23 (Rewards) — Bronze · $535.07/mo @ 40
- BlueCare Bronze 24K01-05 (Rewards) — Bronze · $656.52/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $659.95/mo @ 40
- Everyday Bronze — Expanded Bronze · $475.05/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $476.51/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $487.90/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $489.40/mo @ 40
- BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) — Expanded Bronze · $515.32/mo @ 40
- BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $519.72/mo @ 40
- BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $523.40/mo @ 40
- Elite Bronze — Expanded Bronze · $542.62/mo @ 40
- BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) — Expanded Bronze · $545.82/mo @ 40
- BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) — Expanded Bronze · $548.71/mo @ 40
- BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $554.50/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $557.30/mo @ 40
- myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $609.55/mo @ 40
- myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $610.45/mo @ 40
- myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $617.29/mo @ 40
- myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $659.17/mo @ 40
- myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $663.26/mo @ 40
- myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $671.63/mo @ 40
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $684.75/mo @ 40
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $690.81/mo @ 40
- BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $693.25/mo @ 40
- BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) — Expanded Bronze · $693.35/mo @ 40
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $695.79/mo @ 40
- BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $709.16/mo @ 40
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $726.76/mo @ 40
- BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $749.46/mo @ 40
- Standard Gold — Gold · $629.73/mo @ 40
- Everyday Gold — Gold · $643.36/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $646.77/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $660.77/mo @ 40
- Complete Gold — Gold · $664.86/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $682.85/mo @ 40
- BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $748.46/mo @ 40
- BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $766.17/mo @ 40
- BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $786.39/mo @ 40
- BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) — Gold · $789.29/mo @ 40
Showing first 40 of 91 plans on file.
Reviewed by Jason Burns, Editorial Steward.