ACA plans available
52
Plan year 2026
2026 data Public-data reference. official source
Hamilton, Florida Health Insurance
Open-data reference.
52 ACA plans from 2 issuers - Plan year 2026
Hamilton, Florida offers 52 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $774/mo and Silver plans start at $972/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$1,189
Avg Silver Premium/mo
$1,036
Benchmark Premium/mo
+53.5%
Year-over-Year Change
$4,612
Avg Deductible
What the Numbers Say About Hamilton
Hamilton, Florida has 52 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $1,189/mo for a 27-year-old non-tobacco user, with the lowest Silver at $972 and the highest at $1,796. Bronze plans start at $774/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $1,036/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,612 and the average out-of-pocket maximum is $8,079 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Hamilton shifted by +53.5%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Hamilton, consumers have some competitive choice, though narrower than the most competitive counties. Network types split fairly evenly here between EPO and HMO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. 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
2 plans$901/mo avg
$774 - $1,028
Silver
15 plans$1,189/mo avg
$972 - $1,796
Gold
13 plans$1,270/mo avg
$1,014 - $1,837
Platinum
6 plans$1,988/mo avg
$1,527 - $2,487
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Hamilton is $1,036/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
2
Some competition
Benchmark Silver
$1,036 /mo
Sets your subsidy ceiling
Avg deductible
$4,612
Across all metal tiers
Hamilton ACA plans by premium and deductible
Each marker is the Hamilton average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Hamilton, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Hamilton
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue (BlueCross BlueShield FL) | 33 | $1,326/mo |
| Ambetter Health | 19 | $977/mo |
All Plans in Hamilton
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $773.56 | $943.33 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $1,028.06 | $1,253.68 | $6,150 | $10,150 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $765.05 | $932.95 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $767.39 | $935.81 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $785.74 | $958.19 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $788.15 | $961.12 | $7,500 | $10,000 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $802.75 | $978.92 | $7,500 | $10,000 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $809.62 | $987.31 | $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 | $815.34 | $994.28 | $6,500 | $10,000 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $850.27 | $1,036.88 | $0 | $9,900 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $854.78 | $1,042.38 | $0 | $9,900 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $863.78 | $1,053.35 | $0 | $9,900 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $873.86 | $1,065.64 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $897.50 | $1,094.47 | $0 | $10,500 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $1,066.70 | $1,300.80 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $1,076.14 | $1,312.31 | $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 | $1,083.90 | $1,321.78 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $1,132.14 | $1,380.61 | $0 | $9,900 |
| Clarity Silver Ambetter Health | Silver | HMO | $971.54 | $1,184.76 | $8,000 | $8,400 |
| Standard Silver Ambetter Health | Silver | HMO | $1,036.28 | $1,263.70 | $6,000 | $8,900 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,036.79 | $1,264.33 | $4,000 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,041.36 | $1,269.90 | $4,000 | $8,100 |
| Focused Silver Ambetter Health | Silver | HMO | $1,048.77 | $1,278.94 | $6,300 | $8,400 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,050.48 | $1,281.03 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,053.96 | $1,285.27 | $6,000 | $8,900 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $1,064.31 | $1,297.89 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,065.87 | $1,299.79 | $3,125 | $8,100 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $1,066.14 | $1,300.12 | $5,000 | $8,650 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $1,077.15 | $1,313.54 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $1,094.98 | $1,335.29 | $5,000 | $8,650 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,662.04 | $2,026.81 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,775.23 | $2,164.83 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,795.81 | $2,189.93 | $3,125 | $8,100 |
| Standard Gold Ambetter Health | Gold | HMO | $1,014.14 | $1,236.71 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $1,036.10 | $1,263.49 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $1,041.58 | $1,270.17 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $1,064.14 | $1,297.68 | $800 | $7,250 |
| Complete Gold Ambetter Health | Gold | HMO | $1,070.73 | $1,305.71 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $1,099.69 | $1,341.04 | $1,450 | $7,500 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $1,165.94 | $1,421.83 | $2,000 | $8,200 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $1,193.54 | $1,455.48 | $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 | $1,225.02 | $1,493.87 | $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 | $1,229.56 | $1,499.40 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,746.72 | $2,130.07 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,788.22 | $2,180.68 | $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 | $1,836.81 | $2,239.93 | $0 | $6,250 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,527.30 | $1,862.49 | $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 | $1,569.66 | $1,914.15 | $0 | $2,525 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,635.83 | $1,994.84 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $2,319.79 | $2,828.90 | $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 | $2,386.61 | $2,910.39 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $2,486.82 | $3,032.59 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $581/mo | $516 | $715 | 17 | 2 |
| 2023 | $670/mo | $623 | $758 | 13 | 2 |
| 2024 | $743/mo | $690 | $853 | 11 | 2 |
| 2025 | $873/mo | $721 | $1,205 | 15 | 2 |
| 2026 | $1,189/mo | $972 | $1,796 | 15 | 2 |
Frequently Asked Questions
How many ACA plans are available in Hamilton, FL?
There are 52 ACA marketplace plans available in Hamilton from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Hamilton?
The lowest-premium plan in Hamilton starts at $774/mo (Bronze tier, age 27). Silver plans start at $972/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Hamilton?
The benchmark (second-lowest Silver) premium in Hamilton is $1,036/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 Hamilton?
Average premiums in Hamilton changed by +53.5% 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 Hamilton?
The average annual deductible across all plans in Hamilton is $4,612, and the average out-of-pocket maximum is $8,079. 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 Hamilton?
There are 2 insurance issuers offering ACA marketplace plans in Hamilton, including Florida Blue (BlueCross BlueShield FL), Ambetter Health. 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Hamilton, FL's $1,036/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
