Elite Bronze — full price in Bay County, Florida (2026)
Elite Bronze (49004FL0010004), a expanded bronze plan from Ambetter Health in Bay County, Florida, costs $575.53/month full price for a 40-year-old in 2026 — $1222.21 at 60, with a $0 deductible and $10,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 49004FL0010004 · Issuer: Ambetter Health · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $450.35 |
| 27 | $471.95 |
| 30 | $511.13 |
| 40 | $575.53 |
| 50 | $804.30 |
| 60 | $1222.21 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,500
- Family out-of-pocket max: $21,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $682.50/mo. This plan is $575.53/mo at 40 — a difference of $-106.97/mo.
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 — 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.
Other expanded bronze plans in Bay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Maintenance Organization of Florida | $501.25 |
| Everyday Bronze | Ambetter Health | $503.86 |
| Standard Expanded Bronze | Ambetter Health | $505.41 |
| Everyday Bronze + Vision + Adult Dental | Ambetter Health | $517.49 |
| Standard Expanded Bronze + Vision + Adult Dental | Ambetter Health | $519.08 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 49004FL0010004 in FIPS 12005.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Bay County
Reviewed by Jason Burns, Editorial Steward.