2026 plan year · Florida
2026 health insurance plans in Polk County, FL
159 Marketplace plans from 7 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $661benchmark silver (age 40)
- $509cheapest bronze (age 40)
- 7insurers
- +29.3%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health, Health First Commercial Plans, Inc., Oscar Insurance Company of Florida. See what to do if your insurer leaves.
- New here: Oscar Health Maintenance Organization of Florida.
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 | $414 | $530 | $1,125 | $10,125 | $10,150 | No Charge |
| BlueCare Bronze 24K01-05 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $509 | $650 | $1,380 | $6,150 | $10,150 | No Charge |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $535 | $684 | $1,453 | $10,600 | $10,600 | No Charge after Deductible |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $536 | $684 | $1,453 | $10,600 | $10,600 | No Charge after Deductible |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $546 | $697 | $1,481 | $6,150 | $10,150 | No Charge |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $725 | $927 | $1,968 | $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 | $399 | $509 | $1,082 | $8,450 | $10,150 | $40 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $399 | $510 | $1,083 | $6,000 | $10,600 | $50 |
| Standard Expanded Bronze Ambetter Health · HMO | $400 | $511 | $1,085 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $405 | $518 | $1,100 | $5,500 | $10,600 | $30 |
| Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint · HMO | $409 | $522 | $1,109 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · HMO | $409 | $523 | $1,111 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · HMO | $411 | $525 | $1,115 | $7,500 | $10,000 | $50 |
| Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $413 | $527 | $1,120 | $5,500 | $10,600 | $30 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida · HMO | $439 | $561 | $1,191 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Elite Bronze Ambetter Health · HMO | $455 | $582 | $1,236 | $0 | $10,500 | $60 |
| Bronze Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $463 | $591 | $1,256 | $7,500 | $10,000 | $50 |
| Molina Bronze Standard Molina Healthcare · HMO | $464 | $592 | $1,258 | $7,500 | $10,000 | $50 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · HMO | $468 | $598 | $1,269 | $0 | $10,500 | $60 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $472 | $603 | $1,281 | $2,625 | $10,150 | No Charge |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $473 | $604 | $1,283 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $474 | $606 | $1,287 | $4,700 | $9,200 | $70 |
| Molina Bronze Enhanced 3500 Molina Healthcare · HMO | $475 | $607 | $1,289 | $3,500 | $9,950 | $50 |
| myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $478 | $611 | $1,298 | $6,000 | $10,150 | No Charge |
| Molina Bronze Enhanced 3500 Pluswith Adult Vision Molina Healthcare · HMO | $478 | $611 | $1,298 | $3,500 | $9,950 | $50 |
| Bronze Classic Standard Oscar Health Maintenance Organization of Florida · HMO | $485 | $620 | $1,317 | $7,500 | $10,000 | $50 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare · HMO | $490 | $626 | $1,329 | $3,500 | $9,950 | $50 |
| Bronze Simple Diabetes Oscar Health Maintenance Organization of Florida · HMO | $491 | $628 | $1,333 | $5,500 | $10,150 | $50 |
| Bronze Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida · HMO | $497 | $635 | $1,349 | $5,500 | $10,150 | $50 |
| Bronze Elite + PCP Saver Plus | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $503 | $643 | $1,365 | $0 | $10,600 | $50 |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $511 | $653 | $1,386 | $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 | $514 | $657 | $1,394 | $0 | $10,150 | No Charge |
| Molina Bronze Premier with $0 Medical Deductible Molina Healthcare · HMO | $519 | $664 | $1,410 | $0 | $10,350 | $50 |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $520 | $665 | $1,412 | $0 | $10,150 | No Charge |
| Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision Molina Healthcare · HMO | $523 | $668 | $1,419 | $0 | $10,350 | $50 |
| Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision Molina Healthcare · HMO | $534 | $683 | $1,450 | $0 | $10,350 | $50 |
| BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $537 | $686 | $1,457 | $6,650 | $7,400 | 5% Coinsurance after deductible |
| BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $537 | $686 | $1,458 | $7,500 | $10,000 | $50 |
| BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $549 | $702 | $1,491 | $6,500 | $10,000 | No Charge |
| UHC Bronze Standard UnitedHealthcare · HMO | $561 | $717 | $1,523 | $7,500 | $10,000 | $50 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $566 | $724 | $1,537 | $7,500 | $10,000 | $50 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) · EPO | $571 | $730 | $1,550 | $6,650 | $7,400 | 5% Coinsurance after deductible |
| BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $575 | $735 | $1,561 | $6,500 | $10,000 | No Charge |
| BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $581 | $742 | $1,576 | $0 | $9,900 | No Charge |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $581 | $742 | $1,576 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $581 | $743 | $1,578 | $0 | $10,600 | $50 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $600 | $767 | $1,628 | $0 | $9,900 | No Charge |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $601 | $768 | $1,631 | $0 | $10,600 | $50 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $603 | $771 | $1,637 | $0 | $9,900 | No Charge |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $609 | $779 | $1,654 | $0 | $9,900 | No Charge |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $753 | $962 | $2,042 | $7,500 | $10,000 | $50 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) · PPO | $759 | $970 | $2,061 | $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 | $765 | $977 | $2,075 | $6,500 | $10,000 | No Charge |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $799 | $1,021 | $2,168 | $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 | $506 | $647 | $1,374 | $8,000 | $8,400 | $50 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $517 | $661 | $1,404 | $3,500 | $10,150 | $25 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $519 | $664 | $1,409 | $1,850 | $9,100 | $10 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $525 | $671 | $1,424 | $3,500 | $10,150 | $25 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint · HMO | $529 | $675 | $1,434 | $6,000 | $8,900 | $40 |
| Standard Silver Ambetter Health · HMO | $540 | $690 | $1,466 | $6,000 | $8,900 | $40 |
| myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $544 | $695 | $1,475 | $9,500 | $10,150 | No Charge |
| Focused Silver Ambetter Health · HMO | $547 | $698 | $1,483 | $6,300 | $8,400 | $40 |
| myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $547 | $699 | $1,484 | $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 | $552 | $706 | $1,498 | $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 | $553 | $707 | $1,502 | $9,500 | $10,150 | No Charge |
| Standard Silver + Vision + Adult Dental Ambetter Health · HMO | $555 | $709 | $1,505 | $6,000 | $8,900 | $40 |
| myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $555 | $710 | $1,507 | $7,000 | $9,150 | No Charge |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health · HMO | $556 | $710 | $1,508 | $5,000 | $8,650 | $30 |
| Focused Silver + Vision + Adult Dental Ambetter Health · HMO | $561 | $717 | $1,523 | $6,300 | $8,400 | $40 |
| myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $562 | $718 | $1,524 | $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 | $564 | $721 | $1,531 | $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 | $567 | $725 | $1,540 | $6,500 | $9,200 | No Charge |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $570 | $729 | $1,548 | $3,150 | $8,675 | No Charge |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health · HMO | $571 | $729 | $1,549 | $5,000 | $8,650 | $30 |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $573 | $733 | $1,556 | $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 | $574 | $733 | $1,557 | $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 | $580 | $741 | $1,574 | $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 | $580 | $741 | $1,574 | $6,000 | $8,900 | $40 |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare · HMO | $587 | $750 | $1,592 | $7,000 | $10,150 | $40 |
| Molina Silver Core Molina Healthcare · HMO | $591 | $756 | $1,604 | $6,000 | $8,990 | $35 |
| Molina Silver Core Pluswith Adult Vision Molina Healthcare · HMO | $594 | $760 | $1,613 | $6,000 | $8,990 | $35 |
| Silver Simple PCP Saver | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $598 | $765 | $1,624 | $5,000 | $9,250 | $20 |
| Silver Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $604 | $772 | $1,639 | $6,000 | $8,900 | $40 |
| Silver Simple Diabetes | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $604 | $772 | $1,640 | $6,500 | $10,000 | No Charge |
| Silver Simple Chronic Care CKM | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $605 | $774 | $1,643 | $5,900 | $10,150 | No Charge |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare · HMO | $606 | $775 | $1,645 | $6,000 | $8,990 | $35 |
| Silver Elite | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $611 | $781 | $1,658 | $5,000 | $9,850 | $25 |
| Molina Silver Standard Molina Healthcare · HMO | $611 | $781 | $1,659 | $6,000 | $8,900 | $40 |
| Silver Classic Standard Oscar Health Maintenance Organization of Florida · HMO | $634 | $810 | $1,721 | $6,000 | $8,900 | $40 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida · HMO | $634 | $810 | $1,721 | $6,200 | $9,600 | No Charge |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Maintenance Organization of Florida · HMO | $635 | $812 | $1,724 | $6,000 | $10,150 | No Charge |
| BlueCare Silver 24K01-02 ($10 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $700 | $895 | $1,900 | $4,000 | $8,100 | No Charge |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $709 | $906 | $1,923 | $4,500 | $9,900 | $35 |
| BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $724 | $925 | $1,964 | $6,000 | $8,900 | $40 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $728 | $931 | $1,977 | $4,500 | $9,900 | $35 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $731 | $935 | $1,985 | $4,000 | $8,100 | No Charge |
| BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $733 | $937 | $1,989 | $3,125 | $8,100 | No Charge |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $735 | $939 | $1,994 | $4,000 | $8,100 | No Charge |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $741 | $947 | $2,011 | $4,000 | $8,100 | No Charge |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $744 | $950 | $2,018 | $6,000 | $8,900 | $40 |
| UHC Silver Standard- UnitedHealthcare · HMO | $744 | $951 | $2,020 | $6,000 | $8,900 | $40 |
| UHC Silver Standard UnitedHealthcare · HMO | $744 | $951 | $2,021 | $6,000 | $8,900 | $40 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $752 | $961 | $2,041 | $3,125 | $8,100 | No Charge |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare · HMO | $754 | $964 | $2,047 | $2,700 | $10,350 | $30 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare · HMO | $764 | $977 | $2,074 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $774 | $989 | $2,101 | $2,700 | $10,350 | $30 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,173 | $1,499 | $3,182 | $4,000 | $8,100 | No Charge |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,252 | $1,601 | $3,399 | $6,000 | $8,900 | $40 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,267 | $1,619 | $3,438 | $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 | $528 | $675 | $1,434 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · HMO | $540 | $690 | $1,465 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter Health · HMO | $543 | $694 | $1,473 | $2,000 | $8,200 | $30 |
| Gold Simple | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $546 | $697 | $1,481 | $3,000 | $9,950 | $5 |
| Gold Elite Saver Plus | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $547 | $699 | $1,485 | $0 | $9,500 | $20 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · HMO | $555 | $709 | $1,505 | $800 | $7,250 | $35 |
| Complete Gold Ambetter Health · HMO | $558 | $713 | $1,514 | $1,450 | $7,500 | $15 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $566 | $723 | $1,536 | $800 | $9,000 | $10 |
| Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $571 | $730 | $1,551 | $800 | $9,000 | $10 |
| Complete Gold + Vision + Adult Dental Ambetter Health · HMO | $573 | $732 | $1,555 | $1,450 | $7,500 | $15 |
| Gold Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida · HMO | $573 | $733 | $1,556 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint · HMO | $577 | $738 | $1,567 | $2,000 | $8,200 | $30 |
| Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint · HMO | $578 | $739 | $1,570 | $1,400 | $5,000 | $20 |
| Gold Classic Standard Oscar Health Maintenance Organization of Florida · HMO | $602 | $769 | $1,634 | $2,000 | $8,200 | $30 |
| Molina Gold Enhanced 895 Molina Healthcare · HMO | $621 | $793 | $1,684 | $895 | $8,700 | $25 |
| Molina Gold Core 1640 Molina Healthcare · HMO | $621 | $794 | $1,686 | $1,640 | $8,100 | $25 |
| Molina Gold Enhanced 895 Pluswith Adult Vision Molina Healthcare · HMO | $624 | $797 | $1,693 | $895 | $8,700 | $25 |
| Molina Gold Core 1640 Pluswith Adult Vision Molina Healthcare · HMO | $624 | $798 | $1,695 | $1,640 | $8,100 | $25 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare · HMO | $636 | $812 | $1,725 | $895 | $8,700 | $25 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare · HMO | $636 | $813 | $1,726 | $1,640 | $8,100 | $25 |
| Molina Gold Standard Molina Healthcare · HMO | $650 | $830 | $1,763 | $2,000 | $8,200 | $30 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $688 | $879 | $1,867 | $2,000 | $8,200 | $30 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $700 | $894 | $1,899 | $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 | $725 | $926 | $1,966 | $0 | $6,550 | No Charge |
| BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $800 | $1,022 | $2,171 | $2,000 | $8,200 | $30 |
| UHC Gold Standard UnitedHealthcare · HMO | $810 | $1,035 | $2,199 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare · HMO | $817 | $1,044 | $2,218 | $0 | $10,600 | $25 |
| BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $820 | $1,048 | $2,225 | $1,500 | $6,450 | No Charge |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $823 | $1,051 | $2,232 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare · HMO | $832 | $1,063 | $2,258 | $500 | $9,000 | $20 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $842 | $1,076 | $2,285 | $1,500 | $6,450 | No Charge |
| BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $849 | $1,084 | $2,303 | $0 | $6,250 | No Charge |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $852 | $1,089 | $2,312 | $500 | $9,000 | $20 |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $864 | $1,105 | $2,346 | $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 | $867 | $1,109 | $2,354 | $0 | $6,250 | No Charge |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,232 | $1,575 | $3,344 | $2,000 | $8,200 | $30 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,262 | $1,612 | $3,424 | $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 | $1,296 | $1,656 | $3,517 | $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 | $938 | $1,198 | $2,544 | $0 | $2,250 | No Charge |
| myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · HMO | $982 | $1,255 | $2,665 | $0 | $5,200 | $10 |
| BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $1,001 | $1,280 | $2,717 | $1,000 | $4,000 | No Charge |
| BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $1,039 | $1,328 | $2,821 | $0 | $2,525 | No Charge |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,078 | $1,377 | $2,924 | $1,000 | $4,000 | No Charge |
| BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) · POS | $1,089 | $1,392 | $2,956 | $0 | $5,200 | $10 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,107 | $1,415 | $3,005 | $0 | $2,525 | No Charge |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · EPO | $1,154 | $1,475 | $3,132 | $0 | $5,200 | $10 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,637 | $2,092 | $4,442 | $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 | $1,684 | $2,152 | $4,570 | $0 | $2,525 | No Charge |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) · PPO | $1,754 | $2,242 | $4,762 | $0 | $5,200 | $10 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) Wellpoint · HMO | $376 | $481 | $1,021 | $10,600 | $10,600 | $40 |
Care quality in Polk 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 Polk County.
Frequently asked questions
How many Marketplace health plans are available in Polk County, FL for 2026?
159 plans from 7 insurers: Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Molina Healthcare, Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Wellpoint.
What is the benchmark silver plan premium in Polk County, FL?
For 2026, the second-lowest-cost silver plan costs $661 a month for a 40-year-old before tax credits, up 29.3% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Polk County, FL?
The lowest bronze premium for a 40-year-old is $509 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Polk County, FL?
Aetna CVS Health, Health First Commercial Plans, Inc., Oscar Insurance Company of Florida 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.