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

Monroe County, Florida has 53 ACA marketplace plans from 2 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $1,050 to $4,070 and a benchmark (second-lowest-cost silver) plan at $1,518 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 (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-01 (Rewards) | Bronze | $1,050.41 | $8,000 | $11,150 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-02 (Rewards / $4 select RX) | Bronze | $1,089.70 | $7,175 | $8,275 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Bronze | $1,100.41 | $6,500 | $11,025 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-99S ($50 PCP Visits / Rewards) | Bronze | $1,107.85 | $7,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04 ($40 PCP Visits / Rewards) | Bronze | $1,121.53 | $0 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04V ($40 PCP Visits / Adult Vision / Rewards) | Bronze | $1,126.71 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | $1,133.41 | $9,000 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Bronze (HSA) 27L01-04E ($40 PCP Visits / Adult Dental & Vision / Rewards) | Bronze | $1,137.50 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic 4700 | Bronze | $1,185.89 | $4,700 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Classic Standard | Bronze | $1,187.07 | $7,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes | Bronze | $1,211.21 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Chronic Care CKM | Bronze | $1,233.62 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Simple Diabetes with Adult Dental & Vision | Bronze | $1,251.10 | $5,500 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Elite + PCP Saver Plus | Bronze | $1,257.02 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Bronze Elite + PCP Saver Plus with Adult Dental & Vision | Bronze | $1,296.91 | $0 | $12,000 |
| Oscar Health Maintenance Organization of Florida | Gold Basic | Gold | $1,404.64 | $0 | $11,400 |
| Oscar Health Maintenance Organization of Florida | Gold Classic Standard | Gold | $1,468.62 | $2,500 | $8,600 |
| Oscar Health Maintenance Organization of Florida | Gold Simple Diabetes | Gold | $1,473.24 | $2,000 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Gold SImple Diabetes with Adult Dental & Vision | Gold | $1,513.13 | $2,000 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple PCP Saver | Silver | $1,515.63 | $5,750 | $10,000 |
| Oscar Health Maintenance Organization of Florida | Silver Classic Standard | Silver | $1,518.37 | $6,400 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Silver Core Plan | Silver | $1,519.71 | $9,000 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05 ($20 Labs / Rewards) | Silver | $1,528.05 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05V ($20 Labs / Adult Vision / Rewards) | Silver | $1,535.93 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-05E ($20 Labs / Adult Dental & Vision / Rewards) | Silver | $1,551.10 | $3,675 | $8,100 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes | Silver | $1,554.25 | $6,500 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | $1,558.08 | $6,200 | $10,300 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Women's Health with Menopause Benefits | Silver | $1,567.72 | $6,000 | $10,600 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Chronic Care CKM | Silver | $1,568.40 | $6,500 | $10,500 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-06 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $1,571.75 | $3,575 | $8,575 |
| Oscar Health Maintenance Organization of Florida | Silver Simple Diabetes with Adult Dental & Vision | Silver | $1,594.15 | $6,500 | $10,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Silver 27L01-98S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $1,608.71 | $6,400 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-06 (Rewards) | Bronze | $1,609.41 | $8,000 | $11,150 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) | Bronze | $1,671.56 | $6,500 | $11,025 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 select RX) | Bronze | $1,702.49 | $7,175 | $8,275 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-18S ($50 PCP Visits / Rewards) | Bronze | $1,711.42 | $7,500 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Bronze (HSA) 24J01-17 ($40 PCP Visits / Rewards) | Bronze | $1,725.90 | $0 | $12,000 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-07 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $1,988.79 | $2,100 | $7,050 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Gold | $2,026.72 | $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 | $2,032.29 | $0 | $7,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Gold 27L01-97S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $2,085.64 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-09 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $2,558.11 | $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 | $2,603.04 | $0 | $4,025 |
| Florida Blue (BlueCross BlueShield FL) | BlueSelect Platinum 27L01-96S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $2,700.06 | $0 | $5,900 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-03 ($20 Labs / Rewards) | Silver | $2,929.87 | $3,675 | $8,100 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) | Silver | $2,940.64 | $6,400 | $10,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Silver 24J01-07 ($25 PCP Visits / $40 Specialist Visits / Rewards) | Silver | $2,978.23 | $3,575 | $8,575 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Gold | $2,986.39 | $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 | $3,017.05 | $0 | $7,300 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Gold | $3,092.30 | $2,500 | $8,600 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Platinum | $3,928.64 | $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 | $3,996.63 | $0 | $4,075 |
| Florida Blue (BlueCross BlueShield FL) | BlueOptions Platinum 24J01-21S ($0 Deductible / $20 PCP Visits / $40 Specialist Visits / Rewards) | Platinum | $4,070.21 | $0 | $5,900 |

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

## Questions about 2027 plans in Monroe County

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

Monroe County, Florida has 53 ACA marketplace plans from 2 insurers for 2027, per HealthCare.gov plan data.

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

The 2027 benchmark (second-lowest-cost silver) premium in Monroe County is $1,518 per month for a 40-year-old before tax credits.

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

The cheapest 2027 plan in Monroe County is BlueSelect Bronze (HSA) 27L01-01 (Rewards) from Florida Blue (BlueCross BlueShield FL), a Bronze plan at $1,050 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
Published by: Private Health Insurance Direct Answers
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