2026 plan year · Florida
2026 health insurance plans in Lafayette County, FL
58 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $991benchmark silver (age 40)
- $732cheapest bronze (age 40)
- 3insurers
- +37.9%benchmark change vs. 2025
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $591 | $756 | $1,605 | $6,150 | $10,150 | No Charge |
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $591 | $756 | $1,605 | $10,125 | $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 | $573 | $732 | $1,554 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter Health · HMO | $574 | $734 | $1,559 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · HMO | $588 | $752 | $1,596 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · HMO | $590 | $754 | $1,601 | $7,500 | $10,000 | $50 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $614 | $784 | $1,665 | $7,500 | $10,000 | $50 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) · PPO | $619 | $791 | $1,680 | $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 | $623 | $797 | $1,692 | $6,500 | $10,000 | No Charge |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $651 | $832 | $1,767 | $0 | $9,900 | No Charge |
| Elite Bronze Ambetter Health · HMO | $654 | $836 | $1,775 | $0 | $10,500 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · HMO | $672 | $858 | $1,823 | $0 | $10,500 | $60 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $674 | $861 | $1,829 | $2,625 | $10,150 | No Charge |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $675 | $862 | $1,831 | $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 | $682 | $872 | $1,852 | $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 | $729 | $931 | $1,978 | $0 | $10,150 | No Charge |
| myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $733 | $937 | $1,990 | $0 | $10,150 | No Charge |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $742 | $949 | $2,015 | $0 | $10,150 | No Charge |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Clarity Silver Ambetter Health · HMO | $727 | $929 | $1,973 | $8,000 | $8,400 | $50 |
| Standard Silver Ambetter Health · HMO | $776 | $991 | $2,105 | $6,000 | $8,900 | $40 |
| myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $776 | $991 | $2,105 | $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 | $780 | $997 | $2,118 | $9,500 | $10,150 | No Charge |
| Focused Silver Ambetter Health · HMO | $785 | $1,003 | $2,130 | $6,300 | $8,400 | $40 |
| myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $788 | $1,007 | $2,138 | $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 | $790 | $1,009 | $2,143 | $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 | $792 | $1,013 | $2,150 | $7,000 | $9,150 | No Charge |
| Standard Silver + Vision + Adult Dental Ambetter Health · HMO | $797 | $1,018 | $2,162 | $6,000 | $8,900 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health · HMO | $798 | $1,020 | $2,166 | $5,000 | $8,650 | $30 |
| myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $802 | $1,024 | $2,175 | $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 | $805 | $1,029 | $2,185 | $6,500 | $9,200 | No Charge |
| Focused Silver + Vision + Adult Dental Ambetter Health · HMO | $806 | $1,030 | $2,188 | $6,300 | $8,400 | $40 |
| myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $810 | $1,035 | $2,197 | $6,500 | $9,200 | No Charge |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $814 | $1,040 | $2,209 | $3,150 | $8,675 | No Charge |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $818 | $1,046 | $2,221 | $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 | $819 | $1,047 | $2,222 | $6,500 | $9,200 | No Charge |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health · HMO | $820 | $1,047 | $2,224 | $5,000 | $8,650 | $30 |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $828 | $1,058 | $2,246 | $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 | $828 | $1,058 | $2,247 | $6,000 | $8,900 | $40 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $956 | $1,222 | $2,595 | $4,000 | $8,100 | No Charge |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,021 | $1,305 | $2,771 | $6,000 | $8,900 | $40 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,033 | $1,320 | $2,804 | $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 | $759 | $970 | $2,060 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · HMO | $775 | $991 | $2,105 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter Health · HMO | $780 | $996 | $2,116 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · HMO | $796 | $1,018 | $2,162 | $800 | $7,250 | $35 |
| Complete Gold Ambetter Health · HMO | $801 | $1,024 | $2,175 | $1,450 | $7,500 | $15 |
| Complete Gold + Vision + Adult Dental Ambetter Health · HMO | $823 | $1,052 | $2,234 | $1,450 | $7,500 | $15 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $982 | $1,255 | $2,664 | $2,000 | $8,200 | $30 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $998 | $1,276 | $2,710 | $940 | $4,500 | No Charge |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,005 | $1,284 | $2,727 | $2,000 | $8,200 | $30 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,029 | $1,315 | $2,792 | $1,500 | $6,450 | No Charge |
| myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $1,034 | $1,321 | $2,806 | $0 | $6,550 | No Charge |
| BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,057 | $1,350 | $2,868 | $0 | $6,250 | No Charge |
Platinum plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,334 | $1,705 | $3,622 | $1,000 | $4,000 | No Charge |
| myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $1,338 | $1,710 | $3,631 | $0 | $2,250 | No Charge |
| BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,373 | $1,754 | $3,726 | $0 | $2,525 | No Charge |
| myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $1,401 | $1,791 | $3,804 | $0 | $5,200 | $10 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,430 | $1,828 | $3,882 | $0 | $5,200 | $10 |
Care quality in Lafayette 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 Lafayette County.
Frequently asked questions
How many Marketplace health plans are available in Lafayette County, FL for 2026?
58 plans from 3 insurers: Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company).
What is the benchmark silver plan premium in Lafayette County, FL?
For 2026, the second-lowest-cost silver plan costs $991 a month for a 40-year-old before tax credits, up 37.9% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Lafayette County, FL?
The lowest bronze premium for a 40-year-old is $732 a month before tax credits. Bronze plans have low premiums but high deductibles.