ACA plans available
66
Plan year
2026 data Public-data reference. official source
Franklin, Florida Health Insurance
Open-data reference.
66 ACA plans from 4 issuers — Plan year 2026
Franklin, Florida offers 66 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $409/mo and Silver plans start at $502/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$624
Avg Silver Premium/mo
$535
Benchmark Premium/mo
+37.9%
Year-over-Year Change
$5,334
Avg Deductible
What the Numbers Say About Franklin
Franklin, Florida has 66 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $624/mo for a 27-year-old non-tobacco user, with the lowest Silver at $502 and the highest at $1,101. Bronze plans start at $409/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $535/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 $5,334 and the average out-of-pocket maximum is $8,470 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Franklin shifted by +37.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Franklin, 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
3 plans$488/mo avg
$409 — $630
Silver
26 plans$624/mo avg
$502 — $1,101
Gold
14 plans$706/mo avg
$524 — $1,126
Platinum
6 plans$1,197/mo avg
$804 — $1,524
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Franklin is $535/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
4
Competitive market
Benchmark Silver
$535 /mo
Sets your subsidy ceiling
Avg deductible
$5,334
Across all metal tiers
Franklin ACA plans by premium and deductible
Each marker is the Franklin 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 Franklin, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Franklin
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 25 | $605/mo |
| Ambetter Health | 19 | $505/mo |
| Florida Blue (BlueCross BlueShield FL) | 14 | $1,015/mo |
| Capital Health Plan | 8 | $561/mo |
All Plans in Franklin
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Capital Health Plan HMO Bronze 1100 Capital Health Plan | Bronze | HMO | $409.36 | $499.20 | $8,000 | $10,150 |
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | HMO | $425.07 | $518.36 | $10,125 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $630.11 | $768.40 | $6,150 | $10,150 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $395.62 | $482.44 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $396.83 | $483.92 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $406.32 | $495.50 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $407.57 | $497.01 | $7,500 | $10,000 |
| Capital Health Plan HMO Bronze 1000 Capital Health Plan | Expanded Bronze | HMO | $427.15 | $520.89 | $7,500 | $10,000 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $451.89 | $551.06 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $464.11 | $565.97 | $0 | $10,500 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $484.25 | $590.53 | $2,625 | $10,150 |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $484.95 | $591.38 | $7,500 | $10,000 |
| myBlue Bronze 1601 (3 PCP Visits for $0 then $25 / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $490.38 | $598.00 | $6,000 | $10,150 |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $523.65 | $638.58 | $0 | $10,150 |
| myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $526.90 | $642.54 | $0 | $10,150 |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $533.55 | $650.64 | $0 | $10,150 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $653.79 | $797.28 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $659.58 | $804.33 | $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 | $664.34 | $810.14 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $693.91 | $846.20 | $0 | $9,900 |
| Clarity Silver Ambetter Health | Silver | HMO | $502.40 | $612.66 | $8,000 | $8,400 |
| Capital Health Plan HMO Silver 2400 Capital Health Plan | Silver | HMO | $535.31 | $652.80 | $7,000 | $8,900 |
| Standard Silver Ambetter Health | Silver | HMO | $535.88 | $653.48 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $542.34 | $661.36 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $550.38 | $671.16 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $551.32 | $672.31 | $5,000 | $8,650 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $557.01 | $679.26 | $6,300 | $8,400 |
| myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $557.50 | $679.86 | $9,500 | $10,150 |
| myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $560.87 | $683.96 | $9,500 | $10,150 |
| Capital Health Plan HMO Silver 2300 Capital Health Plan | Silver | HMO | $565.33 | $689.40 | $6,000 | $8,900 |
| myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $566.16 | $690.41 | $7,000 | $9,150 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $566.23 | $690.50 | $5,000 | $8,650 |
| myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $567.55 | $692.11 | $9,500 | $10,150 |
| myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $569.39 | $694.35 | $7,000 | $9,150 |
| myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $576.06 | $702.49 | $7,000 | $9,150 |
| myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $578.63 | $705.62 | $6,500 | $9,200 |
| myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $581.86 | $709.56 | $6,500 | $9,200 |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $584.83 | $713.18 | $3,150 | $8,675 |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $588.05 | $717.11 | $3,150 | $8,675 |
| myBlue Silver 24M06-76E ($50 PCP Visits / $15 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $588.53 | $717.69 | $6,500 | $9,200 |
| Capital Health Plan HMO Silver 2100 Capital Health Plan | Silver | HMO | $591.46 | $721.26 | $5,800 | $8,500 |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $594.72 | $725.24 | $3,150 | $8,675 |
| myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $594.97 | $725.55 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,018.69 | $1,242.25 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,088.07 | $1,326.86 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,100.68 | $1,342.25 | $3,125 | $8,100 |
| Standard Gold Ambetter Health | Gold | HMO | $524.43 | $639.53 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $535.79 | $653.37 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $538.62 | $656.83 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $550.28 | $671.05 | $800 | $7,250 |
| Capital Health Plan HMO Gold 3100 Capital Health Plan | Gold | HMO | $551.54 | $672.58 | $2,000 | $8,200 |
| Complete Gold Ambetter Health | Gold | HMO | $553.69 | $675.21 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $568.67 | $693.48 | $1,450 | $7,500 |
| Capital Health Plan HMO Gold 3000 Capital Health Plan | Gold | HMO | $603.38 | $735.80 | $0 | $8,500 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $705.57 | $860.41 | $2,000 | $8,200 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $717.59 | $875.07 | $940 | $4,500 |
| myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $743.08 | $906.17 | $0 | $6,550 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,070.59 | $1,305.55 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,096.03 | $1,336.57 | $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 | $1,125.80 | $1,372.88 | $0 | $6,250 |
| Capital Health Plan HMO Platinum 4000 Capital Health Plan | Platinum | HMO | $803.95 | $980.39 | $0 | $5,200 |
| myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $961.51 | $1,172.53 | $0 | $2,250 |
| myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $1,007.21 | $1,228.26 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,421.84 | $1,733.89 | $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 | $1,462.79 | $1,783.82 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,524.21 | $1,858.72 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $506/mo | $416 | $601 | 19 | 3 |
| 2023 | $472/mo | $417 | $637 | 25 | 4 |
| 2024 | $457/mo | $401 | $678 | 20 | 4 |
| 2025 | $485/mo | $402 | $778 | 27 | 5 |
| 2026 | $624/mo | $502 | $1,101 | 26 | 4 |
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
Find Doctors
PlainDoctor — Healthcare providers in Florida
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PlainHospital — CMS star ratings and safety scores
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PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Franklin, FL?
There are 66 ACA marketplace plans available in Franklin from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Franklin?
The lowest-premium plan in Franklin starts at $409/mo (Bronze tier, age 27). Silver plans start at $502/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Franklin?
The benchmark (second-lowest Silver) premium in Franklin is $535/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 Franklin?
Average premiums in Franklin changed by +37.9% 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 Franklin?
The average annual deductible across all plans in Franklin is $5,334, and the average out-of-pocket maximum is $8,470. 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 Franklin?
There are 4 insurance issuers offering ACA marketplace plans in Franklin, including Florida Blue HMO (a BlueCross BlueShield FL company), Ambetter Health, Florida Blue (BlueCross BlueShield FL), 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
