What health insurance costs without a subsidy in Wakulla County, Florida (2026)
In Wakulla County, Florida, the benchmark silver plan costs $610.11/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $465.77 to $2068.16. A 60-year-old pays at least $989.13/month, a 21-year-old at least $364.46. 5 insurers offer 83 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 $364.46/mo
- Age 40 — starting at $465.77/mo
- Age 60 — starting at $989.13/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $466.56/mo
- Silver — starting at $591.49/mo
- Gold — starting at $617.43/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, Capital Health Plan, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), UnitedHealthcare
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 Wakulla County (FIPS 12129).
- 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 (83)
- Capital Health Plan HMO Bronze 1100 — Bronze · $466.56/mo @ 40
- UHC Bronze Essential- ($0 Virtual Urgent Care) — Bronze · $618.43/mo @ 40
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $618.50/mo @ 40
- myBlue Bronze 26M02-24 (Rewards) — Bronze · $633.21/mo @ 40
- BlueOptions Bronze 24J01-06 (Rewards) — Bronze · $854.98/mo @ 40
- Everyday Bronze — Expanded Bronze · $465.77/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $467.20/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $478.37/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $479.84/mo @ 40
- Capital Health Plan HMO Bronze 1000 — Expanded Bronze · $486.83/mo @ 40
- Elite Bronze — Expanded Bronze · $532.02/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $546.41/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $647.99/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $670.81/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $671.37/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $694.19/mo @ 40
- myBlue Bronze 2322S ($50 PCP Visits / Rewards) — Expanded Bronze · $714.84/mo @ 40
- myBlue Bronze 2286 ($75 PCP Visits / Rewards) — Expanded Bronze · $716.17/mo @ 40
- myBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards) — Expanded Bronze · $724.08/mo @ 40
- myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards) — Expanded Bronze · $772.07/mo @ 40
- myBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) — Expanded Bronze · $776.93/mo @ 40
- myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) — Expanded Bronze · $787.13/mo @ 40
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) — Expanded Bronze · $887.11/mo @ 40
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) — Expanded Bronze · $894.97/mo @ 40
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — Expanded Bronze · $901.42/mo @ 40
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) — Expanded Bronze · $941.55/mo @ 40
- Standard Gold — Gold · $617.43/mo @ 40
- Capital Health Plan HMO Gold 3100 — Gold · $628.60/mo @ 40
- Everyday Gold — Gold · $630.80/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $634.13/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $647.86/mo @ 40
- Complete Gold — Gold · $651.88/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $669.51/mo @ 40
- Capital Health Plan HMO Gold 3000 — Gold · $687.68/mo @ 40
- UHC Gold Standard — Gold · $935.74/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $943.81/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) — Gold · $960.98/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) — Gold · $983.79/mo @ 40
- myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards) — Gold · $1037.24/mo @ 40
- myBlue Gold 2011 ($0 Labs / Rewards) — Gold · $1054.82/mo @ 40
Showing first 40 of 83 plans on file.
Reviewed by Jason Burns, Editorial Steward.