# What ACA marketplace plans are available in Charlotte County, Florida in 2027?

Charlotte County, Florida has 160 ACA marketplace plans from 6 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $458 to $2,333 and a benchmark (second-lowest-cost silver) plan at $760 per month, before any premium tax credit, per HealthCare.gov plan data. To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

_Last updated 2026-11-01 · Published by Private Health Insurance Direct Answers · Updated November 1, 2026 with 2027 plan data from HealthCare.gov_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) | Catastrophic | $457.91 | $12,000 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Bronze (HSA) 27M07-30 (Rewards) | Bronze | $572.95 | $11,975 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Breathe Easy with Enhanced COPD Benefits \| with AdventHealth | Bronze | $573.14 | $9,000 | $12,000 |
| Ambetter Health | Signature Expanded Bronze | Bronze | $592.46 | $7,500 | $12,000 |
| Ambetter Health | Everyday Bronze | Bronze | $594.52 | $9,350 | $11,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic 4700 \| with AdventHealth | Bronze | $599.67 | $4,700 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard \| with AdventHealth | Bronze | $600.27 | $7,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-01 (Rewards) | Bronze | $602.18 | $8,000 | $11,150 |
| Ambetter Health | Signature Expanded Bronze + Vision + Adult Dental | Bronze | $607.97 | $7,500 | $12,000 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Bronze | $610.08 | $9,350 | $11,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes \| with AdventHealth | Bronze | $612.48 | $5,500 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze (HSA) 2219 (Rewards) | Bronze | $614.17 | $3,350 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Chronic Care CKM \| with AdventHealth | Bronze | $623.81 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | $624.16 | $9,000 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-02 (Rewards / $4 select RX) | Bronze | $624.71 | $7,175 | $8,275 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze (HSA) 1601 (3 PCP Visits for $0 then $25 / Rewards) | Bronze | $630.62 | $7,300 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Bronze | $630.85 | $6,500 | $11,025 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes with Adult Dental & Vision \| with AdventHealth | Bronze | $631.30 | $5,500 | $12,000 |
| Wellpoint | Wellpoint Essential Catastrophic HSA (+ Incentives) | Catastrophic | $631.41 | $12,000 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-99S ($50 PCP Visits / Rewards) | Bronze | $635.11 | $7,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Elite + PCP Saver Plus \| with AdventHealth | Bronze | $635.64 | $0 | $12,000 |
| Wellpoint | Wellpoint Essential Bronze 6000 HSA ($0 Select Drugs + Incentives) | Bronze | $639.31 | $6,000 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04 ($40 PCP Visits / Rewards) | Bronze | $642.96 | $0 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04V ($40 PCP Visits / Adult Vision / Rewards) | Bronze | $645.93 | $0 | $12,000 |
| Wellpoint | Wellpoint Essential Bronze 7500 HSA ($0 Select Drugs + Incentives) Standard | Bronze | $646.54 | $7,500 | $12,000 |
| Wellpoint | Wellpoint Essential Bronze 5500 HSA ($0 Select Drugs + Incentives) | Bronze | $650.92 | $5,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04E ($40 PCP Visits / Adult Dental & Vision / Rewards) | Bronze | $652.11 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard | Bronze | $654.01 | $7,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Elite + PCP Saver Plus with Adult Dental & Vision \| with AdventHealth | Bronze | $654.46 | $0 | $12,000 |
| Ambetter Health | Elite Bronze | Bronze | $656.44 | $0 | $11,800 |
| Wellpoint | Wellpoint Essential Bronze 5500 HSA Adult Dental/Vision ($0 Select Drugs + Incentives) | Bronze | $661.74 | $5,500 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze (HSA) 2129 ($35 PCP Visits / Rewards) | Bronze | $662.25 | $0 | $12,000 |
| Wellpoint | Wellpoint Heart Healthy Essential Bronze 4500 HSA ($0 Select Drugs + Incentives) | Bronze | $664.94 | $4,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes | Bronze | $667.43 | $5,500 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze (HSA) 2129V ($35 PCP Visits / Adult Vision / Rewards) | Bronze | $670.27 | $0 | $12,000 |
| Ambetter Health | Elite Bronze + Vision + Adult Dental | Bronze | $673.62 | $0 | $11,800 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Bronze (HSA) 27M07-99S ($50 PCP Visits / Rewards) | Bronze | $674.40 | $7,500 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze (HSA) 2129E ($35 PCP Visits / Adult Dental & Vision / Rewards) | Bronze | $677.71 | $0 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Bronze (HSA) 2312S ($50 PCP Visits / Rewards) | Bronze | $679.64 | $7,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Chronic Care CKM | Bronze | $679.90 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes with Adult Dental & Vision | Bronze | $686.26 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Gold Basic \| with AdventHealth | Gold | $710.29 | $0 | $11,400 |
| Ambetter Health | Clarity Silver | Silver | $719.24 | $8,000 | $9,400 |
| Oscar Health Maintenance Organization of Florida | Gold Simple \| with AdventHealth | Gold | $722.14 | $2,750 | $10,000 |
| Oscar Health Maintenance Organization of Florida | Gold Simple with Adult Dental & Vision \| with AdventHealth | Gold | $740.96 | $2,750 | $10,000 |
| Oscar Health Maintenance Organization of Florida | Gold Classic Standard \| with AdventHealth | Gold | $742.64 | $2,500 | $8,600 |
| Oscar Health Maintenance Organization of Florida | Gold Simple Diabetes \| with AdventHealth | Gold | $744.98 | $2,000 | $10,600 |
| Ambetter Health | Signature Silver | Silver | $759.76 | $6,400 | $10,300 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Silver 27M07-01 ($5 PCP Visits / $5 Labs / Rewards) | Silver | $760.96 | $11,925 | $11,950 |
| Oscar Health Maintenance Organization of Florida | Gold Simple Diabetes with Adult Dental & Vision \| with AdventHealth | Gold | $763.80 | $2,000 | $10,600 |
| Ambetter Health | Focused Silver | Silver | $766.02 | $6,300 | $9,600 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Silver 27M07-01V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) | Silver | $766.20 | $11,925 | $11,950 |
| Oscar Health Maintenance Organization of Florida | Silver Simple PCP Saver \| with AdventHealth | Silver | $766.41 | $5,750 | $10,000 |
| Oscar Health Maintenance Organization of Florida | Silver Classic Standard \| with AdventHealth | Silver | $767.80 | $6,400 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Silver Core Plan \| with AdventHealth | Silver | $768.47 | $9,000 | $10,300 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Silver 27M07-01E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) | Silver | $776.13 | $11,925 | $11,950 |
| Ambetter Health | Enhanced Diabetes Care Silver $0 Rx Options | Silver | $776.55 | $5,000 | $10,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $776.66 | $11,750 | $11,750 |
| Ambetter Health | Signature Silver + Vision + Adult Dental | Silver | $779.64 | $6,400 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes \| with AdventHealth | Silver | $785.94 | $6,500 | $10,600 |
| Ambetter Health | Focused Silver + Vision + Adult Dental | Silver | $786.07 | $6,300 | $9,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Breathe Easy with Enhanced COPD Benefits \| with AdventHealth | Silver | $787.88 | $6,200 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Women's Health with Menopause Benefits \| with AdventHealth | Silver | $792.75 | $6,000 | $10,600 |
| Ambetter Health | Signature Gold | Gold | $792.88 | $2,500 | $8,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Chronic Care CKM \| with AdventHealth | Silver | $793.10 | $6,500 | $10,500 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin) | Bronze | $795.98 | $7,500 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-05 (Rewards) | Bronze | $796.51 | $10,000 | $11,750 |
| Ambetter Health | Enhanced Diabetes Care Silver $0 Rx Options + Vision + Adult Dental | Silver | $796.88 | $5,000 | $10,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 27M01-15 ($5 PCP Visits / $5 Labs / Rewards) | Silver | $798.49 | $9,600 | $11,000 |
| Ambetter Health | Everyday Gold | Gold | $801.70 | $800 | $7,250 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 27M01-15V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) | Silver | $803.63 | $9,600 | $11,000 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes with Adult Dental & Vision \| with AdventHealth | Silver | $804.76 | $6,500 | $10,600 |
| Ambetter Health | Complete Gold | Gold | $807.59 | $1,450 | $9,500 |
| Wellpoint | Wellpoint Essential Silver 6400 ($0 Select Drugs + Incentives) Standard | Silver | $810.85 | $6,400 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Gold Classic Standard | Gold | $810.89 | $2,500 | $8,600 |
| Oscar Health Maintenance Organization of Florida | Gold Simple Diabetes | Gold | $813.31 | $2,000 | $10,600 |
| Ambetter Health | Signature Gold + Vision + Adult Dental | Gold | $813.63 | $2,500 | $8,600 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 27M01-15E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) | Silver | $813.79 | $9,600 | $11,000 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision) | Bronze | $819.16 | $7,500 | $12,000 |
| Ambetter Health | Everyday Gold + Vision + Adult Dental | Gold | $822.68 | $800 | $7,250 |
| Wellpoint | Wellpoint Heart Healthy Essential Silver 5000 ($0 Select Drugs + Incentives) | Silver | $826.64 | $5,000 | $10,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 27M01-13 ($50 PCP Visits / $80 Specialist Visits / $15 Labs / Rewards) | Silver | $826.65 | $6,400 | $10,150 |
| Ambetter Health | Complete Gold + Vision + Adult Dental | Gold | $828.73 | $1,450 | $9,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 27M01-13V ($50 PCP Visits / $80 Specialist Visits / $15 Labs / Adult Vision / Rewards) | Silver | $831.81 | $6,400 | $10,150 |
| Oscar Health Maintenance Organization of Florida | Gold Simple Diabetes with Adult Dental & Vision | Gold | $832.13 | $2,000 | $10,600 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $835.06 | $0 | $12,000 |
| Wellpoint | Wellpoint Essential Silver 3500 ($0 Select Drugs + Incentives) | Silver | $836.05 | $3,500 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-03 (3 PCP Visits for $0 then $55 / Rewards) | Bronze | $837.35 | $7,300 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Silver Classic Standard | Silver | $838.41 | $6,400 | $10,300 |
| Wellpoint | Wellpoint Essential Silver 1850 ($0 Select Drugs + Incentives) | Silver | $841.54 | $1,850 | $10,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 27M01-13E ($50 PCP Visits / $80 Specialist Visits / $15 Labs / Adult Dental & Vision / Rewards) | Silver | $842.05 | $6,400 | $10,150 |
| Wellpoint | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Select Drugs + Incentives) | Silver | $846.88 | $3,500 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237 ($60 PCP Visits / Rewards) | Silver | $847.70 | $4,000 | $8,900 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) | Silver | $852.82 | $4,000 | $8,900 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-31S ($50 PCP Visits / Rewards) | Bronze | $854.20 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision) | Bronze | $858.24 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes | Silver | $858.37 | $6,500 | $10,600 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Silver 27M07-98S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $858.85 | $6,400 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | $860.50 | $6,200 | $10,300 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-09 (Rewards / $10 select RX) | Bronze | $861.86 | $8,425 | $8,450 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) | Silver | $863.08 | $4,000 | $8,900 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Women's Health with Menopause Benefits | Silver | $865.86 | $6,000 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Chronic Care CKM | Silver | $866.24 | $6,500 | $10,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $871.92 | $6,400 | $10,300 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-25 ($50 PCP Visits / Rewards) | Bronze | $875.25 | $0 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05 ($20 Labs / Rewards) | Silver | $876.01 | $3,675 | $8,100 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes with Adult Dental & Vision | Silver | $877.19 | $6,500 | $10,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05V ($20 Labs / Adult Vision / Rewards) | Silver | $880.53 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05E ($20 Labs / Adult Dental & Vision / Rewards) | Silver | $889.22 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-06 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $901.07 | $3,575 | $8,575 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-98S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $922.26 | $6,400 | $10,300 |
| Wellpoint | Wellpoint Essential Gold 800 ($0 Select Drugs + Incentives) | Gold | $922.50 | $800 | $9,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-06 (Rewards) | Bronze | $922.65 | $8,000 | $11,150 |
| Wellpoint | Wellpoint Essential Gold 2500 ($0 Select Drugs + Incentives) Standard | Gold | $932.21 | $2,500 | $8,600 |
| Wellpoint | Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Select Drugs + Incentives) | Gold | $933.23 | $800 | $9,000 |
| Wellpoint | Wellpoint Essential Gold 1400 ($0 Select Drugs + Incentives) | Gold | $943.83 | $1,400 | $5,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Bronze | $958.28 | $6,500 | $11,025 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 select RX) | Bronze | $976.01 | $7,175 | $8,275 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-18S ($50 PCP Visits / Rewards) | Bronze | $981.13 | $7,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-17 ($40 PCP Visits / Rewards) | Bronze | $989.44 | $0 | $12,000 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin) | Silver | $998.39 | $4,500 | $11,750 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin) | Silver | $1,012.37 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $1,021.58 | $4,500 | $11,750 |
| UnitedHealthcare | UHC Silver Standard+ ($0 Insulin, Dental + Vision) | Silver | $1,035.55 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Silver | $1,049.91 | $0 | $11,300 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $1,073.09 | $0 | $11,300 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin) | Gold | $1,132.90 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-07 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,140.14 | $2,100 | $7,050 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-02 (Rewards) | Silver | $1,155.70 | $4,000 | $8,175 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin) | Gold | $1,159.58 | $850 | $9,200 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | $1,161.89 | $0 | $7,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-08V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) | Gold | $1,165.09 | $0 | $7,300 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin) | Gold | $1,167.24 | $0 | $8,700 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-06 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $1,174.43 | $4,000 | $10,550 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $1,182.77 | $850 | $9,200 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,183.63 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $1,190.43 | $0 | $8,700 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-97S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,195.67 | $2,500 | $8,600 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Gold 27M07-05 ($10 Labs / Rewards) | Gold | $1,284.12 | $1,500 | $5,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Gold 1605 ($10 Labs / Rewards) | Gold | $1,287.92 | $1,500 | $5,500 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Essentials Gold 27M07-97S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,317.57 | $2,500 | $8,600 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,330.95 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $1,466.53 | $1,500 | $4,250 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-10 ($0 Deductible / $15 PCP Visits / $25 Specialist Visits / $10 Labs / Rewards) | Platinum | $1,492.30 | $0 | $4,025 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Gold 24K01-10 ($45 PCP Visits / $80 Specialist Visits / $20 Labs / Rewards) | Gold | $1,519.26 | $1,500 | $6,450 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | $1,532.40 | $0 | $7,950 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-96S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $1,547.90 | $0 | $5,900 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,554.99 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-03 ($20 Labs / Rewards) | Silver | $1,679.65 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,685.84 | $6,400 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-07 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $1,707.37 | $3,575 | $8,575 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,712.06 | $2,100 | $7,050 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | $1,729.63 | $0 | $7,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,772.78 | $2,500 | $8,600 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $1,879.81 | $1,000 | $4,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Platinum 24K01-07 ($0 Deductible / $15 PCP Visits / $25 Specialist Visits / $10 Labs / Rewards) | Platinum | $1,914.89 | $0 | $4,725 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Platinum 24K01-34S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $2,025.94 | $0 | $5,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $2,252.23 | $1,500 | $4,250 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-08 ($0 Deductible / $15 PCP Visits / $25 Specialist Visits / $10 Labs / Rewards) | Platinum | $2,291.21 | $0 | $4,075 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-21S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $2,333.40 | $0 | $5,900 |

Premiums are full price for one 40-year-old non-smoker, before any premium tax credit.

## Questions about 2027 plans in Charlotte County

### How many ACA plans are available in Charlotte County for 2027?

Charlotte County, Florida has 160 ACA marketplace plans from 6 insurers for 2027, per HealthCare.gov plan data.

### What is the 2027 benchmark (second-lowest-cost silver) premium in Charlotte County?

The 2027 benchmark (second-lowest-cost silver) premium in Charlotte County is $760 per month for a 40-year-old before tax credits.

### What is the cheapest 2027 plan in Charlotte County?

The cheapest 2027 plan in Charlotte County is myBlue Essentials Catastrophic (HSA) 27M07-14 (Rewards) from Florida Blue HMO (a BlueCross BlueShield FL company), a Catastrophic plan at $458 per month for a 40-year-old before tax credits.

### When is Open Enrollment for 2027 coverage?

In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.

### How do I get help choosing or enrolling?

To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555. You can also enroll yourself at HealthCare.gov.

## Sources

- HealthCare.gov plan data (CMS Marketplace API) — https://www.healthcare.gov/see-plans/ (retrieved 2026-11-12)
- HealthCare.gov — https://www.healthcare.gov

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Updated: 2026-11-01T00:00:00.000Z
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