2026 plan year · Florida
2026 health insurance plans in Highlands County, FL
94 Marketplace plans from 4 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $672benchmark silver (age 40)
- $496cheapest bronze (age 40)
- 4insurers
- +29.2%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health, Health First Commercial Plans, Inc.. See what to do if your insurer leaves.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $457 | $584 | $1,241 | $10,125 | $10,150 | No Charge |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $545 | $696 | $1,479 | $6,150 | $10,150 | No Charge |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $654 | $836 | $1,776 | $10,600 | $10,600 | No Charge after Deductible |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $654 | $836 | $1,776 | $10,600 | $10,600 | No Charge after Deductible |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $724 | $925 | $1,965 | $6,150 | $10,150 | No Charge |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Everyday Bronze Ambetter Health · HMO | $388 | $496 | $1,053 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter Health · HMO | $389 | $497 | $1,056 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · HMO | $399 | $509 | $1,082 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · HMO | $400 | $511 | $1,085 | $7,500 | $10,000 | $50 |
| Elite Bronze Ambetter Health · HMO | $443 | $566 | $1,203 | $0 | $10,500 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · HMO | $455 | $582 | $1,235 | $0 | $10,500 | $60 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $521 | $666 | $1,413 | $2,625 | $10,150 | No Charge |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $522 | $667 | $1,416 | $7,500 | $10,000 | $50 |
| myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $527 | $674 | $1,431 | $6,000 | $10,150 | No Charge |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $563 | $720 | $1,529 | $0 | $10,150 | No Charge |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $565 | $723 | $1,535 | $7,500 | $10,000 | $50 |
| myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $567 | $724 | $1,538 | $0 | $10,150 | No Charge |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) · EPO | $570 | $729 | $1,548 | $6,650 | $7,400 | 5% Coinsurance after deductible |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $574 | $733 | $1,557 | $0 | $10,150 | No Charge |
| BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $574 | $734 | $1,559 | $6,500 | $10,000 | No Charge |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $599 | $765 | $1,625 | $0 | $9,900 | No Charge |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $602 | $769 | $1,634 | $0 | $9,900 | No Charge |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $608 | $778 | $1,651 | $0 | $9,900 | No Charge |
| UHC Bronze Standard UnitedHealthcare · HMO | $686 | $876 | $1,861 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $710 | $907 | $1,926 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $710 | $908 | $1,928 | $0 | $10,600 | $50 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $735 | $939 | $1,994 | $0 | $10,600 | $50 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $751 | $960 | $2,039 | $7,500 | $10,000 | $50 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) · PPO | $758 | $969 | $2,057 | $6,650 | $7,400 | 5% Coinsurance after deductible |
| BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $763 | $976 | $2,072 | $6,500 | $10,000 | No Charge |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $797 | $1,019 | $2,164 | $0 | $9,900 | No Charge |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Clarity Silver Ambetter Health · HMO | $493 | $630 | $1,337 | $8,000 | $8,400 | $50 |
| Standard Silver Ambetter Health · HMO | $526 | $672 | $1,426 | $6,000 | $8,900 | $40 |
| Focused Silver Ambetter Health · HMO | $532 | $680 | $1,444 | $6,300 | $8,400 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter Health · HMO | $540 | $690 | $1,465 | $6,000 | $8,900 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health · HMO | $541 | $691 | $1,468 | $5,000 | $8,650 | $30 |
| Focused Silver + Vision + Adult Dental Ambetter Health · HMO | $546 | $698 | $1,483 | $6,300 | $8,400 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health · HMO | $555 | $710 | $1,507 | $5,000 | $8,650 | $30 |
| myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $600 | $766 | $1,627 | $9,500 | $10,150 | No Charge |
| myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $603 | $771 | $1,637 | $9,500 | $10,150 | No Charge |
| myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $609 | $778 | $1,653 | $7,000 | $9,150 | No Charge |
| myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $610 | $780 | $1,657 | $9,500 | $10,150 | No Charge |
| myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $612 | $783 | $1,662 | $7,000 | $9,150 | No Charge |
| myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $620 | $792 | $1,681 | $7,000 | $9,150 | No Charge |
| myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $622 | $795 | $1,689 | $6,500 | $9,200 | No Charge |
| myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $626 | $800 | $1,698 | $6,500 | $9,200 | No Charge |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $629 | $804 | $1,707 | $3,150 | $8,675 | No Charge |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $632 | $808 | $1,716 | $3,150 | $8,675 | No Charge |
| myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $633 | $809 | $1,718 | $6,500 | $9,200 | No Charge |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $640 | $817 | $1,736 | $3,150 | $8,675 | No Charge |
| myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $640 | $818 | $1,737 | $6,000 | $8,900 | $40 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $730 | $933 | $1,982 | $4,000 | $8,100 | No Charge |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $733 | $937 | $1,991 | $4,000 | $8,100 | No Charge |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $740 | $946 | $2,008 | $4,000 | $8,100 | No Charge |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $742 | $949 | $2,015 | $6,000 | $8,900 | $40 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $751 | $959 | $2,038 | $3,125 | $8,100 | No Charge |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $866 | $1,107 | $2,351 | $4,500 | $9,900 | $35 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $890 | $1,138 | $2,416 | $4,500 | $9,900 | $35 |
| UHC Silver Standard- UnitedHealthcare · HMO | $910 | $1,163 | $2,469 | $6,000 | $8,900 | $40 |
| UHC Silver Standard UnitedHealthcare · HMO | $910 | $1,163 | $2,469 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $922 | $1,178 | $2,502 | $2,700 | $10,350 | $30 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare · HMO | $934 | $1,194 | $2,535 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $946 | $1,209 | $2,568 | $2,700 | $10,350 | $30 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,171 | $1,496 | $3,177 | $4,000 | $8,100 | No Charge |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,250 | $1,598 | $3,394 | $6,000 | $8,900 | $40 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,265 | $1,617 | $3,433 | $3,125 | $8,100 | No Charge |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Gold Ambetter Health · HMO | $514 | $657 | $1,396 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · HMO | $525 | $672 | $1,426 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter Health · HMO | $528 | $675 | $1,434 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · HMO | $540 | $690 | $1,465 | $800 | $7,250 | $35 |
| Complete Gold Ambetter Health · HMO | $543 | $694 | $1,474 | $1,450 | $7,500 | $15 |
| Complete Gold + Vision + Adult Dental Ambetter Health · HMO | $558 | $713 | $1,514 | $1,450 | $7,500 | $15 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $759 | $970 | $2,060 | $2,000 | $8,200 | $30 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $772 | $986 | $2,095 | $940 | $4,500 | No Charge |
| myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $799 | $1,021 | $2,169 | $0 | $6,550 | No Charge |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $821 | $1,050 | $2,229 | $2,000 | $8,200 | $30 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $841 | $1,074 | $2,282 | $1,500 | $6,450 | No Charge |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $863 | $1,103 | $2,342 | $0 | $6,250 | No Charge |
| BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $866 | $1,107 | $2,350 | $0 | $6,250 | No Charge |
| UHC Gold Standard UnitedHealthcare · HMO | $990 | $1,265 | $2,687 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare · HMO | $999 | $1,276 | $2,711 | $0 | $10,600 | $25 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare · HMO | $1,017 | $1,300 | $2,760 | $500 | $9,000 | $20 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $1,041 | $1,330 | $2,825 | $500 | $9,000 | $20 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,230 | $1,572 | $3,339 | $2,000 | $8,200 | $30 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,260 | $1,610 | $3,418 | $1,500 | $6,450 | No Charge |
| BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,294 | $1,653 | $3,511 | $0 | $6,250 | No Charge |
Platinum plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $1,034 | $1,322 | $2,807 | $0 | $2,250 | No Charge |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,076 | $1,375 | $2,920 | $1,000 | $4,000 | No Charge |
| myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $1,083 | $1,384 | $2,940 | $0 | $5,200 | $10 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,106 | $1,413 | $3,001 | $0 | $2,525 | No Charge |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,152 | $1,473 | $3,127 | $0 | $5,200 | $10 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,634 | $2,088 | $4,435 | $1,000 | $4,000 | No Charge |
| BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,681 | $2,148 | $4,562 | $0 | $2,525 | No Charge |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,752 | $2,239 | $4,754 | $0 | $5,200 | $10 |
Care quality in Highlands County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Highlands County.
Frequently asked questions
How many Marketplace health plans are available in Highlands County, FL for 2026?
94 plans from 4 insurers: Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), UnitedHealthcare.
What is the benchmark silver plan premium in Highlands County, FL?
For 2026, the second-lowest-cost silver plan costs $672 a month for a 40-year-old before tax credits, up 29.2% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Highlands County, FL?
The lowest bronze premium for a 40-year-old is $496 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Highlands County, FL?
Aetna CVS Health, Health First Commercial Plans, Inc. offered plans here in 2025 but don't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.