What health insurance costs without a subsidy in Union County, Florida (2026)
In Union County, Florida, the benchmark silver plan costs $949.75/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $701.17 to $2288.51. A 60-year-old pays at least $1489.02/month, a 21-year-old at least $548.65. 4 insurers offer 72 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 $548.65/mo
- Age 40 — starting at $701.17/mo
- Age 60 — starting at $1489.02/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $725.30/mo
- Silver — starting at $890.42/mo
- Gold — starting at $929.47/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,150
- Highest out-of-pocket maximum on file: $10,500
Who sells plans here
Ambetter Health, AvMed, 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 Union County (FIPS 12125).
- 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
- Washington County — $898.81/mo benchmark
- Hardee County — $875.53/mo benchmark
Plans available in this county (72)
- myBlue Bronze 26M01-23 (Rewards) — Bronze · $725.30/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $946.08/mo @ 40
- Everyday Bronze — Expanded Bronze · $701.17/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $703.32/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $720.14/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $722.34/mo @ 40
- Elite Bronze — Expanded Bronze · $800.90/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $822.56/mo @ 40
- myBlue Bronze 2219 ($75 PCP Visits / Rewards) — Expanded Bronze · $826.28/mo @ 40
- myBlue Bronze 2312S ($50 PCP Visits / Rewards) — Expanded Bronze · $827.49/mo @ 40
- myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) — Expanded Bronze · $836.74/mo @ 40
- myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $893.53/mo @ 40
- myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $899.06/mo @ 40
- myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $910.41/mo @ 40
- AvMed Entrust Expanded Bronze Standard (2026) — Expanded Bronze · $954.43/mo @ 40
- AvMed Entrust Bronze 650 (2026) — Expanded Bronze · $968.13/mo @ 40
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $981.63/mo @ 40
- AvMed Entrust Bronze 600 (2026) — Expanded Bronze · $982.73/mo @ 40
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $990.32/mo @ 40
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $997.47/mo @ 40
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $1041.86/mo @ 40
- Standard Gold — Gold · $929.47/mo @ 40
- Everyday Gold — Gold · $949.59/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $954.61/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $975.28/mo @ 40
- Complete Gold — Gold · $981.32/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $1007.87/mo @ 40
- myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1203.93/mo @ 40
- myBlue Gold 1605 ($0 Labs / Rewards) — Gold · $1224.44/mo @ 40
- myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1267.94/mo @ 40
- AvMed Entrust Gold Standard (2026) — Gold · $1302.74/mo @ 40
- AvMed Entrust Gold 125 (2026) — Gold · $1327.70/mo @ 40
- AvMed Entrust Gold 125 Dental+Vision (2026) — Gold · $1333.18/mo @ 40
- BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1607.43/mo @ 40
- BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Gold · $1645.63/mo @ 40
- BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — Gold · $1690.33/mo @ 40
- myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) — Platinum · $1640.65/mo @ 40
- myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — Platinum · $1718.64/mo @ 40
- AvMed Entrust Platinum 25 (2026) — Platinum · $1805.46/mo @ 40
- AvMed Entrust Platinum 25 Dental+Vision (2026) — Platinum · $1811.93/mo @ 40
Showing first 40 of 72 plans on file.
Reviewed by Jason Burns, Editorial Steward.