ACA plans available
122
Plan year
2026 data Public-data reference. official source
Flagler, Florida Health Insurance
Open-data reference.
122 ACA plans from 6 issuers — Plan year 2026
Flagler, Florida offers 122 ACA marketplace plans from 6 issuers for plan year 2026. Bronze plans start at $523/mo and Silver plans start at $569/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$755
Avg Silver Premium/mo
$571
Benchmark Premium/mo
+44.1%
Year-over-Year Change
$4,960
Avg Deductible
What the Numbers Say About Flagler
Flagler, Florida has 122 ACA marketplace plans offered by 6 issuers for plan year 2026. The average Silver-tier premium comes in at $755/mo for a 27-year-old non-tobacco user, with the lowest Silver at $569 and the highest at $1,354. Bronze plans start at $523/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $571/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,960 and the average out-of-pocket maximum is $8,631 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Flagler shifted by +44.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 6 issuers active in Flagler, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
5 plans$638/mo avg
$523 — $785
Silver
39 plans$755/mo avg
$569 — $1,354
Gold
30 plans$829/mo avg
$519 — $1,385
Platinum
9 plans$1,536/mo avg
$1,152 — $1,876
Catastrophic plan available: avg $277/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Flagler is $571/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
6
Competitive market
Benchmark Silver
$571 /mo
Sets your subsidy ceiling
Avg deductible
$4,960
Across all metal tiers
Flagler ACA plans by premium and deductible
Each marker is the Flagler average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Flagler, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Flagler
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue (BlueCross BlueShield FL) | 33 | $1,000/mo |
| Florida Health Care Plans | 23 | $637/mo |
| Oscar Health Maintenance Organization of Florida | 19 | $527/mo |
| UnitedHealthcare | 17 | $686/mo |
| Health First Commercial Plans, Inc. | 16 | $537/mo |
| Florida Blue HMO (a BlueCross BlueShield FL company) | 14 | $1,154/mo |
All Plans in Flagler
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) Health First Commercial Plans, Inc. | Catastrophic | HMO | $277.44 | $338.33 | $10,600 | $10,600 |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $523.27 | $638.11 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $523.34 | $638.19 | $10,600 | $10,600 |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $583.45 | $711.50 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $775.40 | $945.58 | $6,150 | $10,150 |
| BlueCare Bronze 24K01-05 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | POS | $784.88 | $957.13 | $6,150 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $416.88 | $508.37 | $9,000 | $10,600 |
| Gym Access IND Bronze HMO 1340 Florida Health Care Plans | Expanded Bronze | HMO | $425.31 | $518.65 | $10,150 | $10,150 |
| Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) Health First Commercial Plans, Inc. | Expanded Bronze | HMO | $436.18 | $531.90 | $9,800 | $10,150 |
| Bronze Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $439.64 | $536.12 | $7,500 | $10,000 |
| Bronze Classic 4700 | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $450.73 | $549.65 | $4,700 | $9,200 |
| Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access) Health First Commercial Plans, Inc. | Expanded Bronze | HMO | $460.61 | $561.70 | $9,800 | $10,150 |
| Bronze Classic Standard Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $460.99 | $562.16 | $7,500 | $10,000 |
| Bronze Standard 1828 Health First Commercial Plans, Inc. | Expanded Bronze | HMO | $464.76 | $566.76 | $7,500 | $10,000 |
| Gym Access IND Bronze HMO OA Standard 2450 Florida Health Care Plans | Expanded Bronze | HMO | $465.31 | $567.43 | $7,500 | $10,000 |
| Bronze Simple Diabetes Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $466.74 | $569.17 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $472.47 | $576.16 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $478.07 | $582.99 | $0 | $10,600 |
| Gym Access IND Bronze Standardized HMO Florida Health Care Plans | Expanded Bronze | HMO | $483.36 | $589.44 | $7,150 | $10,150 |
| Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) Health First Commercial Plans, Inc. | Expanded Bronze | HMO | $514.32 | $627.20 | $0 | $10,150 |
| Gym Access IND Bronze HMO OA 1211 Florida Health Care Plans | Expanded Bronze | HMO | $523.99 | $638.99 | $0 | $10,150 |
| Gym Access IND Bronze POS OA Standard 2450 Florida Health Care Plans | Expanded Bronze | POS | $535.11 | $652.55 | $7,500 | $10,000 |
| Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) Health First Commercial Plans, Inc. | Expanded Bronze | HMO | $538.75 | $656.99 | $0 | $10,150 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $548.29 | $668.62 | $7,500 | $10,000 |
| Gym Access IND Bronze POS 1042 Florida Health Care Plans | Expanded Bronze | POS | $555.95 | $677.97 | $5,500 | $10,150 |
| Gym Access IND Bronze POS BC 3841 Florida Health Care Plans | Expanded Bronze | POS | $561.99 | $685.33 | $6,000 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $567.59 | $692.16 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $568.07 | $692.74 | $0 | $10,600 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $587.37 | $716.28 | $0 | $10,600 |
| Gym Access IND Bronze POS OA 1211 Florida Health Care Plans | Expanded Bronze | POS | $602.59 | $734.84 | $0 | $10,150 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $605.46 | $738.34 | $7,500 | $10,000 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $610.65 | $744.67 | $6,650 | $7,400 |
| BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $614.97 | $749.93 | $6,500 | $10,000 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $641.31 | $782.06 | $0 | $9,900 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $644.71 | $786.20 | $0 | $9,900 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $651.50 | $794.48 | $0 | $9,900 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $804.54 | $981.11 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $811.67 | $989.80 | $6,650 | $7,400 |
| BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $817.52 | $996.94 | $6,500 | $10,000 |
| BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $828.79 | $1,010.68 | $6,650 | $7,400 |
| BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $828.92 | $1,010.83 | $7,500 | $10,000 |
| BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $847.81 | $1,033.88 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $853.91 | $1,041.31 | $0 | $9,900 |
| BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $895.98 | $1,092.61 | $0 | $9,900 |
| Silver Simple PCP Saver | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $568.66 | $693.46 | $5,000 | $9,250 |
| Silver Savings 1821 (Primary Care Copay, Open Access) Health First Commercial Plans, Inc. | Silver | HMO | $571.18 | $696.53 | $4,500 | $8,000 |
| Silver Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $573.74 | $699.66 | $6,000 | $8,900 |
| Silver Simple Diabetes | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $574.07 | $700.05 | $6,500 | $10,000 |
| Silver Simple Chronic Care CKM | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $575.19 | $701.42 | $5,900 | $10,150 |
| Silver Standard 1829 Health First Commercial Plans, Inc. | Silver | HMO | $575.47 | $701.76 | $6,000 | $8,900 |
| Silver Elite | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $580.53 | $707.93 | $5,000 | $9,850 |
| Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access) Health First Commercial Plans, Inc. | Silver | HMO | $595.61 | $726.32 | $4,500 | $8,000 |
| Silver Classic Standard Oscar Health Maintenance Organization of Florida | Silver | HMO | $602.52 | $734.76 | $6,000 | $8,900 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $602.65 | $734.91 | $6,200 | $9,600 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $603.46 | $735.90 | $6,000 | $10,150 |
| Silver 1664 (Primary Care & Specialist Copays, Open Access) Health First Commercial Plans, Inc. | Silver | HMO | $609.73 | $743.54 | $4,550 | $7,600 |
| Gym Access IND Silver HMO OA Standard 1440 Florida Health Care Plans | Silver | HMO | $616.77 | $752.13 | $6,000 | $8,900 |
| Gym Access IND Silver HMO BC 7741 Florida Health Care Plans | Silver | HMO | $629.10 | $767.17 | $3,500 | $8,900 |
| Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access) Health First Commercial Plans, Inc. | Silver | HMO | $634.16 | $773.34 | $4,550 | $7,600 |
| Gym Access IND Silver HMO BC 0941 Florida Health Care Plans | Silver | HMO | $637.17 | $777.01 | $5,000 | $8,350 |
| Gym Access IND Silver HMO OA 1009 Florida Health Care Plans | Silver | HMO | $642.87 | $783.96 | $0 | $9,000 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $692.54 | $844.53 | $4,500 | $9,900 |
| Gym Access IND Silver POS OA Standard 1440 Florida Health Care Plans | Silver | POS | $709.30 | $864.96 | $6,000 | $8,900 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $711.85 | $868.07 | $4,500 | $9,900 |
| Gym Access IND Silver POS BC 7741 Florida Health Care Plans | Silver | POS | $723.48 | $882.25 | $3,500 | $8,900 |
| UHC Silver Standard- UnitedHealthcare | Silver | HMO | $727.47 | $887.12 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $727.55 | $887.22 | $6,000 | $8,900 |
| Gym Access IND Silver POS BC 0941 Florida Health Care Plans | Silver | POS | $732.83 | $893.67 | $5,000 | $8,350 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $737.21 | $899.00 | $2,700 | $10,350 |
| Gym Access IND Silver POS OA 1009 Florida Health Care Plans | Silver | POS | $739.30 | $901.55 | $0 | $9,000 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare | Silver | HMO | $746.85 | $910.76 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $756.51 | $922.54 | $2,700 | $10,350 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $781.99 | $953.61 | $4,000 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $785.43 | $957.81 | $4,000 | $8,100 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $792.32 | $966.21 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $794.94 | $969.40 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $803.92 | $980.35 | $3,125 | $8,100 |
| BlueCare Silver 24K01-02 ($10 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $1,080.40 | $1,317.52 | $4,000 | $8,100 |
| BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $1,116.82 | $1,361.93 | $6,000 | $8,900 |
| BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $1,131.20 | $1,379.46 | $3,125 | $8,100 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,253.58 | $1,528.69 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,338.95 | $1,632.80 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,354.48 | $1,651.74 | $3,125 | $8,100 |
| Gold Simple | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $518.58 | $632.39 | $3,000 | $9,950 |
| Gold Elite Saver Plus | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $520.03 | $634.16 | $0 | $9,500 |
| Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) Health First Commercial Plans, Inc. | Gold | HMO | $542.75 | $661.86 | $3,050 | $8,100 |
| Gold Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $544.76 | $664.32 | $2,000 | $8,200 |
| Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access) Health First Commercial Plans, Inc. | Gold | HMO | $567.18 | $691.66 | $3,050 | $8,100 |
| Gold Standard 1833 Health First Commercial Plans, Inc. | Gold | HMO | $570.97 | $696.28 | $2,000 | $8,200 |
| Gold Classic Standard Oscar Health Maintenance Organization of Florida | Gold | HMO | $571.95 | $697.47 | $2,000 | $8,200 |
| Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) Health First Commercial Plans, Inc. | Gold | HMO | $602.18 | $734.34 | $3,000 | $8,250 |
| Gold 1742 + Adult Dental + Adult Vision (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) Health First Commercial Plans, Inc. | Gold | HMO | $626.61 | $764.13 | $3,000 | $8,250 |
| Gym Access IND Gold HMO H.S.A 9010 Florida Health Care Plans | Gold | HMO | $639.78 | $780.19 | $2,000 | $6,500 |
| Gym Access IND Gold HMO OA Standard 3450 Florida Health Care Plans | Gold | HMO | $659.87 | $804.69 | $2,000 | $8,200 |
| Gym Access IND Gold HMO 4500 Florida Health Care Plans | Gold | HMO | $683.87 | $833.96 | $2,550 | $5,600 |
| Gym Access IND Gold HMO BC 5651 Florida Health Care Plans | Gold | HMO | $716.49 | $873.73 | $0 | $7,800 |
| Gym Access IND Gold POS OA Standard 3450 Florida Health Care Plans | Gold | POS | $758.86 | $925.40 | $2,000 | $8,200 |
| Gym Access IND Gold POS 55001 Florida Health Care Plans | Gold | POS | $791.50 | $965.21 | $2,800 | $8,100 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $791.76 | $965.52 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $798.59 | $973.85 | $0 | $10,600 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $813.11 | $991.57 | $500 | $9,000 |
| Gym Access IND Gold POS BC 5651 Florida Health Care Plans | Gold | POS | $823.96 | $1,004.79 | $0 | $7,800 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $832.42 | $1,015.10 | $500 | $9,000 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $879.41 | $1,072.41 | $2,000 | $8,200 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $900.22 | $1,097.79 | $1,500 | $6,450 |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $923.96 | $1,126.74 | $0 | $6,250 |
| BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $927.38 | $1,130.90 | $0 | $6,250 |
| BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,234.80 | $1,505.79 | $2,000 | $8,200 |
| BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,265.21 | $1,542.88 | $1,500 | $6,450 |
| BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $1,309.62 | $1,597.04 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,317.45 | $1,606.59 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,348.74 | $1,644.75 | $1,500 | $6,450 |
| BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,385.39 | $1,689.44 | $0 | $6,250 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,151.95 | $1,404.76 | $1,000 | $4,000 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,183.90 | $1,443.73 | $0 | $2,525 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,233.82 | $1,504.60 | $0 | $5,200 |
| BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,545.22 | $1,884.35 | $1,000 | $4,000 |
| BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,604.03 | $1,956.06 | $0 | $2,525 |
| BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,680.98 | $2,049.90 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,749.68 | $2,133.67 | $1,000 | $4,000 |
| BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,800.08 | $2,195.13 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,875.66 | $2,287.30 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $462/mo | $383 | $821 | 43 | 6 |
| 2023 | $491/mo | $402 | $870 | 43 | 6 |
| 2024 | $523/mo | $419 | $979 | 32 | 6 |
| 2025 | $566/mo | $439 | $984 | 40 | 7 |
| 2026 | $755/mo | $569 | $1,354 | 39 | 6 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
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Frequently Asked Questions
How many ACA plans are available in Flagler, FL?
There are 122 ACA marketplace plans available in Flagler from 6 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Flagler?
The lowest-premium plan in Flagler starts at $523/mo (Bronze tier, age 27). Silver plans start at $569/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Flagler?
The benchmark (second-lowest Silver) premium in Flagler is $571/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Flagler?
Average premiums in Flagler changed by +44.1% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Flagler?
The average annual deductible across all plans in Flagler is $4,960, and the average out-of-pocket maximum is $8,631. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Flagler?
There are 6 insurance issuers offering ACA marketplace plans in Flagler, including Florida Blue (BlueCross BlueShield FL), Florida Health Care Plans, Oscar Health Maintenance Organization of Florida, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
