Health Insurance Plans in Monroe County, Florida (2026)
33 ACA marketplace (Obamacare) plans are available in Monroe County, FL, from 1 insurer. The cheapest plan starts at $842.87/month before subsidies.
That ranks 67th lowest of the 67 county areas we track in Florida, 84% above the statewide median of $457.26.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Key West, Marathon and Islamorada, Village of Islands.
33
Plans Available
$842.87
Cheapest Plan/mo
1
Insurers
HealthCare.gov
Exchange
Insurers With the Cheapest Plans in Monroe
Plans Available in Monroe
Sorted by monthly premium · 30-year-old · Before subsidies
BlueSelect Bronze 24L01-01 (Rewards)
Florida Blue (BlueCross BlueShield FL)
$842.87/mo
Ded: $6,150
BlueSelect Bronze 2342S ($50 PCP Visits / Rewards)
Florida Blue (BlueCross BlueShield FL)
$874.68/mo
Ded: $7,500
BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)
Florida Blue (BlueCross BlueShield FL)
$882.17/mo
Ded: $6,650
BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)
Florida Blue (BlueCross BlueShield FL)
$888.40/mo
Ded: $6,500
BlueSelect Bronze 2139 ($50 PCP Visits / Rewards)
Florida Blue (BlueCross BlueShield FL)
$926.46/mo
BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards)
Florida Blue (BlueCross BlueShield FL)
$931.37/mo
BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards)
Florida Blue (BlueCross BlueShield FL)
$941.19/mo
BlueOptions Bronze 24J01-06 (Rewards)
Florida Blue (BlueCross BlueShield FL)
$1,120.18/mo
Ded: $6,150
Average Premiums in Monroe
Avg Bronze Plan
$1013/mo
12 plans
Avg Silver Plan
$1428/mo
Benchmark (2nd-lowest Silver): $1,134.66/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Monroe
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 12 | $6,325 | $0–$7,500 | $9,950 |
| Silver | 8 | $4,000 | $3,125–$6,000 | $8,100 |
| Gold | 7 | $1,500 | $0–$2,000 | $6,450 |
| Platinum | 6 | $0 | $0–$1,000 | $4,000 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Monroe County
At $23,940 a year (150% of the poverty level), a 40-year-old in Monroe County can get at least 7 Bronze plans for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $0 (7+ plans) | $0 (7+ plans) |
| 40 | $0 (7+ plans) | $0 (7+ plans) |
| 60 | $0 (7+ plans) | $0 (7+ plans) |
Medicaid: Florida has not expanded Medicaid. Adults usually need at least 100% of the poverty level ($15,960 a year for one person) to get the premium tax credit, and many adults below that qualify for neither. Children, pregnant women and some parents can still get Medicaid or CHIP.
2026 premiums in Monroe County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "+" is because only the cheapest plans here are counted, so the real number can only be higher. Federal credit only, non-smokers. Income limits · Calculate your own credit
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Health Insurance in Florida
Compare Florida's top-rated plans, ranked by official quality scores. See how Monroe's $842.87/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for Monroe to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in Florida
What is the health insurance marketplace in Florida?
The Florida (FL) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 33 Florida plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Florida?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Florida start from $842.87/month before subsidies.
Which Medicaid plan is best in Florida?
Florida has not expanded Medicaid, creating a coverage gap for adults below 100% FPL. Florida Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. For ACA Marketplace plans with subsidies, shop at HealthCare.gov during Open Enrollment.
Is short-term health insurance available in Florida?
Short-term health insurance is sold outside the ACA Marketplace in Florida by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (November 1 to January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in FL?
Health insurance in FL starts as low as $842.87/month for a 30-year-old on a Bronze plan before subsidies. Most Florida residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in FL for 2027?
The cheapest ACA option in FL for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Florida plans and prices at policymage.com/get-quotes.
How do I get health insurance in Florida?
To get health insurance in Florida, enroll in an ACA Marketplace plan through HealthCare.gov during Open Enrollment, which runs November 1 through January 15. Plans start at $842.87/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Florida?
There is no single best health insurance plan in Florida; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 33 Florida plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Florida per month?
Health insurance in Florida starts at $842.87 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Florida?
Florida has not expanded Medicaid, so adults earning under 100% of the Federal Poverty Level fall into a coverage gap where they qualify for neither Medicaid nor Marketplace subsidies. Florida Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. Above 100% FPL (about $15,960/year for an individual), APTC subsidies bring some Marketplace plans to $0/month.
When does Open Enrollment end in Florida for ACA plans?
Open Enrollment for Florida residents runs from November 1 through January 15. Florida uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in Florida?
Health insurance in Florida starts as low as $842.87/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many Florida residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Florida use HealthCare.gov or its own state exchange?
Florida uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for Florida residents.
Has Florida expanded Medicaid under the ACA?
No. Florida has not expanded Medicaid, which creates a "coverage gap" for adults earning less than 100% of the Federal Poverty Level; they typically don't qualify for Medicaid OR Marketplace tax credits. Florida Medicaid still covers low-income children, pregnant women, parents, people with disabilities, and seniors needing long-term care.
What are the income limits for ACA subsidies in Florida?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in Florida (Bronze, Silver, Gold, Platinum)?
Florida ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Florida?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Florida through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Florida ACA plans cover dental and vision?
Florida ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most Florida plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Florida?
Outside Open Enrollment, Florida residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in Florida?
Each Florida ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Monroe
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Plans shown based on input. Not insurance advice. Policymage is not a licensed broker or agent.