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

Desoto County, Florida has 97 ACA marketplace plans from 5 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $526 to $2,608 and a benchmark (second-lowest-cost silver) plan at $674 per month, before any premium tax credit, per CMS 2027 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 CMS 2027 plan data_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Ambetter Health | Signature Expanded Bronze | Expanded Bronze | $525.78 | $7,500 | $12,000 |
| Ambetter Health | Everyday Bronze | Expanded Bronze | $527.60 | $9,350 | $11,000 |
| Ambetter Health | Signature Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $539.54 | $7,500 | $12,000 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $541.41 | $9,350 | $11,000 |
| Ambetter Health | Elite Bronze | Expanded Bronze | $582.55 | $0 | $11,800 |
| Ambetter Health | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $597.80 | $0 | $11,800 |
| Wellpoint | Wellpoint Essential Catastrophic HSA (+ Incentives) | Catastrophic | $635.84 | $12,000 | $12,000 |
| Ambetter Health | Clarity Silver | Silver | $638.28 | $8,000 | $9,400 |
| Wellpoint | Wellpoint Essential Bronze 6000 HSA ($0 Select Drugs + Incentives) | Expanded Bronze | $643.78 | $6,000 | $12,000 |
| Wellpoint | Wellpoint Essential Bronze 7500 HSA ($0 Select Drugs + Incentives) Standard | Expanded Bronze | $651.06 | $7,500 | $12,000 |
| Wellpoint | Wellpoint Essential Bronze 5500 HSA ($0 Select Drugs + Incentives) | Expanded Bronze | $655.49 | $5,500 | $12,000 |
| Wellpoint | Wellpoint Essential Bronze 5500 HSA Adult Dental/Vision ($0 Select Drugs + Incentives) | Expanded Bronze | $666.37 | $5,500 | $12,000 |
| Wellpoint | Wellpoint Heart Healthy Essential Bronze 4500 HSA ($0 Select Drugs + Incentives) | Expanded Bronze | $669.61 | $4,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-01 (Rewards) | Expanded Bronze | $672.98 | $8,000 | $11,150 |
| Ambetter Health | Signature Silver | Silver | $674.24 | $6,400 | $10,300 |
| Ambetter Health | Focused Silver | Silver | $679.80 | $6,300 | $9,600 |
| Ambetter Health | Enhanced Diabetes Care Silver $0 Rx Options | Silver | $689.15 | $5,000 | $10,000 |
| Ambetter Health | Signature Silver + Vision + Adult Dental | Silver | $691.89 | $6,400 | $10,300 |
| Ambetter Health | Focused Silver + Vision + Adult Dental | Silver | $697.59 | $6,300 | $9,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-02 (Rewards / $4 select RX) | Expanded Bronze | $698.16 | $7,175 | $8,275 |
| Ambetter Health | Signature Gold | Gold | $703.63 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | $705.02 | $6,500 | $11,025 |
| Ambetter Health | Enhanced Diabetes Care Silver $0 Rx Options + Vision + Adult Dental | Silver | $707.19 | $5,000 | $10,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-99S ($50 PCP Visits / Rewards) | Expanded Bronze | $709.79 | $7,500 | $12,000 |
| Ambetter Health | Everyday Gold | Gold | $711.46 | $800 | $7,250 |
| Ambetter Health | Complete Gold | Gold | $716.69 | $1,450 | $9,500 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04 ($40 PCP Visits / Rewards) | Expanded Bronze | $718.56 | $0 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04V ($40 PCP Visits / Adult Vision / Rewards) | Expanded Bronze | $721.87 | $0 | $12,000 |
| Ambetter Health | Signature Gold + Vision + Adult Dental | Gold | $722.05 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04E ($40 PCP Visits / Adult Dental & Vision / Rewards) | Expanded Bronze | $728.78 | $0 | $12,000 |
| Ambetter Health | Everyday Gold + Vision + Adult Dental | Gold | $730.08 | $800 | $7,250 |
| Ambetter Health | Complete Gold + Vision + Adult Dental | Gold | $735.45 | $1,450 | $9,500 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $782.08 | $11,750 | $11,750 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin) | Expanded Bronze | $801.53 | $7,500 | $12,000 |
| Wellpoint | Wellpoint Essential Silver 6400 ($0 Select Drugs + Incentives) Standard | Silver | $816.54 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision) | Expanded Bronze | $824.88 | $7,500 | $12,000 |
| Wellpoint | Wellpoint Heart Healthy Essential Silver 5000 ($0 Select Drugs + Incentives) | Silver | $832.43 | $5,000 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin) | Expanded Bronze | $840.89 | $0 | $12,000 |
| Wellpoint | Wellpoint Essential Silver 3500 ($0 Select Drugs + Incentives) | Silver | $841.92 | $3,500 | $12,000 |
| Wellpoint | Wellpoint Essential Silver 1850 ($0 Select Drugs + Incentives) | Silver | $847.44 | $1,850 | $10,000 |
| Wellpoint | Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Select Drugs + Incentives) | Silver | $852.81 | $3,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision) | Expanded Bronze | $864.23 | $0 | $12,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-05 (Rewards) | Expanded Bronze | $879.79 | $10,000 | $11,750 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-03 (3 PCP Visits for $0 then $55 / Rewards) | Expanded Bronze | $924.89 | $7,300 | $12,000 |
| Wellpoint | Wellpoint Essential Gold 800 ($0 Select Drugs + Incentives) | Gold | $928.97 | $800 | $9,000 |
| Wellpoint | Wellpoint Essential Gold 2500 ($0 Select Drugs + Incentives) Standard | Gold | $938.74 | $2,500 | $8,600 |
| Wellpoint | Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Select Drugs + Incentives) | Gold | $939.78 | $800 | $9,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-31S ($50 PCP Visits / Rewards) | Expanded Bronze | $943.50 | $7,500 | $12,000 |
| Wellpoint | Wellpoint Essential Gold 1400 ($0 Select Drugs + Incentives) | Gold | $950.45 | $1,400 | $5,000 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-09 (Rewards / $10 select RX) | Expanded Bronze | $951.96 | $8,425 | $8,450 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Bronze (HSA) 24K01-25 ($50 PCP Visits / Rewards) | Expanded Bronze | $966.76 | $0 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05 ($20 Labs / Rewards) | Silver | $979.00 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05V ($20 Labs / Adult Vision / Rewards) | Silver | $984.05 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05E ($20 Labs / Adult Dental & Vision / Rewards) | Silver | $993.77 | $3,675 | $8,100 |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin) | Silver | $1,005.36 | $4,500 | $11,750 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-06 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $1,007.00 | $3,575 | $8,575 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin) | Silver | $1,019.43 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $1,028.70 | $4,500 | $11,750 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-98S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,030.68 | $6,400 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-06 (Rewards) | Expanded Bronze | $1,031.13 | $8,000 | $11,150 |
| UnitedHealthcare | UHC Silver Standard+ ($0 Insulin, Dental + Vision) | Silver | $1,042.78 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Silver | $1,057.23 | $0 | $11,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Expanded Bronze | $1,070.95 | $6,500 | $11,025 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $1,080.58 | $0 | $11,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 select RX) | Expanded Bronze | $1,090.76 | $7,175 | $8,275 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-18S ($50 PCP Visits / Rewards) | Expanded Bronze | $1,096.49 | $7,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-17 ($40 PCP Visits / Rewards) | Expanded Bronze | $1,105.76 | $0 | $12,000 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin) | Gold | $1,140.81 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin) | Gold | $1,167.68 | $850 | $9,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin) | Gold | $1,175.39 | $0 | $8,700 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $1,191.02 | $850 | $9,200 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $1,198.73 | $0 | $8,700 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-07 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,274.19 | $2,100 | $7,050 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-02 (Rewards) | Silver | $1,276.52 | $4,000 | $8,175 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-06 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $1,297.21 | $4,000 | $10,550 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | $1,298.50 | $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 | $1,302.06 | $0 | $7,300 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,307.37 | $6,400 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-97S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,336.25 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $1,638.95 | $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 | $1,667.74 | $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 | $1,678.09 | $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 | $1,692.60 | $0 | $7,950 |
| Florida Blue HMO (a BlueCross BlueShield FL company) | BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,717.56 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-96S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $1,729.89 | $0 | $5,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-03 ($20 Labs / Rewards) | Silver | $1,877.13 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,884.04 | $6,400 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-07 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $1,908.12 | $3,575 | $8,575 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,913.34 | $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 | $1,932.99 | $0 | $7,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $1,981.19 | $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 | $2,076.33 | $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 | $2,115.09 | $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 | $2,237.74 | $0 | $5,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $2,517.02 | $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 | $2,560.59 | $0 | $4,075 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-21S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $2,607.73 | $0 | $5,900 |

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

## Questions about 2027 plans in Desoto County

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

Desoto County, Florida has 97 ACA marketplace plans from 5 insurers for 2027, per CMS 2027 plan data.

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

The 2027 benchmark (second-lowest-cost silver) premium in Desoto County is $674 per month for a 40-year-old before tax credits.

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

The cheapest 2027 plan in Desoto County is Signature Expanded Bronze from Ambetter Health, a Expanded Bronze plan at $526 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

- CMS PY2027 Plan Attributes and Rate public use files — https://data.healthcare.gov/dataset/9c1ab46b-95da-4aac-9a04-2bf363a28d9e (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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