ACA plans available
121
Plan year
2026 data Public-data reference. official source
Indian River, Florida Health Insurance
Open-data reference.
121 ACA plans from 7 issuers — Plan year 2026
Indian River, Florida offers 121 ACA marketplace plans from 7 issuers for plan year 2026. Bronze plans start at $435/mo and Silver plans start at $454/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$645
Avg Silver Premium/mo
$485
Benchmark Premium/mo
+45.3%
Year-over-Year Change
$4,883
Avg Deductible
What the Numbers Say About Indian River
Indian River, Florida has 121 ACA marketplace plans offered by 7 issuers for plan year 2026. The average Silver-tier premium comes in at $645/mo for a 27-year-old non-tobacco user, with the lowest Silver at $454 and the highest at $1,317. Bronze plans start at $435/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $485/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 $4,883 and the average out-of-pocket maximum is $8,543 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Indian River shifted by +45.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 7 issuers active in Indian River, 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$586/mo avg
$435 — $754
Silver
43 plans$645/mo avg
$454 — $1,317
Gold
30 plans$694/mo avg
$461 — $1,347
Platinum
8 plans$1,345/mo avg
$984 — $1,824
Catastrophic plan available: avg $355/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Indian River is $485/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
7
Competitive market
Benchmark Silver
$485 /mo
Sets your subsidy ceiling
Avg deductible
$4,883
Across all metal tiers
Indian River ACA plans by premium and deductible
Each marker is the Indian River 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 Indian River, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Indian River
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue (BlueCross BlueShield FL) | 33 | $972/mo |
| Florida Blue HMO (a BlueCross BlueShield FL company) | 25 | $614/mo |
| Ambetter Health | 19 | $457/mo |
| Health First Commercial Plans, Inc. | 16 | $456/mo |
| Wellpoint | 13 | $618/mo |
| Cigna Healthcare | 10 | $544/mo |
| Cigna HealthCare of Florida, Inc. | 5 | $604/mo |
All Plans in Indian River
| 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 | $235.77 | $287.52 | $10,600 | $10,600 |
| Wellpoint Essential Catastrophic (+ Incentives) Wellpoint | Catastrophic | HMO | $473.32 | $577.20 | $10,600 | $10,600 |
| myBlue Bronze 26M02-24 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | HMO | $435.29 | $530.82 | $10,125 | $10,150 |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $567.29 | $691.79 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $753.93 | $919.39 | $6,150 | $10,150 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $357.88 | $436.42 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $358.98 | $437.76 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $367.56 | $448.23 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $368.69 | $449.60 | $7,500 | $10,000 |
| Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) Health First Commercial Plans, Inc. | Expanded Bronze | HMO | $370.67 | $452.02 | $9,800 | $10,150 |
| Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access) Health First Commercial Plans, Inc. | Expanded Bronze | HMO | $391.43 | $477.34 | $9,800 | $10,150 |
| Bronze Standard 1828 Health First Commercial Plans, Inc. | Expanded Bronze | HMO | $394.96 | $481.64 | $7,500 | $10,000 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $408.78 | $498.50 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $419.84 | $511.98 | $0 | $10,500 |
| Connect Bronze Mid-South CMS Standard Cigna Healthcare | Expanded Bronze | EPO | $429.60 | $523.88 | $7,500 | $10,000 |
| Connect Bronze Mid-South 5500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | EPO | $436.07 | $531.78 | $5,500 | $9,500 |
| Connect myDiabetesCare Bronze Mid-South Cigna Healthcare | Expanded Bronze | EPO | $436.46 | $532.25 | $6,500 | $9,200 |
| 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 | $437.08 | $533.00 | $0 | $10,150 |
| 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 | $457.84 | $558.32 | $0 | $10,150 |
| Connect Bronze Mid-South 0 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | EPO | $480.07 | $585.43 | $0 | $10,600 |
| myBlue Bronze 2322S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $491.39 | $599.23 | $7,500 | $10,000 |
| myBlue Bronze 2286 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $492.31 | $600.35 | $2,350 | $10,150 |
| myBlue Bronze 2013 (3 PCP Visits for $0 then $5 / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $497.74 | $606.97 | $6,000 | $10,150 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $501.99 | $612.16 | $6,000 | $10,600 |
| Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $509.73 | $621.59 | $5,500 | $10,600 |
| Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Expanded Bronze | HMO | $514.11 | $626.94 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $519.16 | $633.10 | $5,500 | $10,600 |
| myBlue Bronze 2149 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $530.74 | $647.22 | $0 | $10,150 |
| myBlue Bronze 2149V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $534.08 | $651.29 | $0 | $10,150 |
| myBlue Bronze 2149E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $541.09 | $659.84 | $0 | $10,150 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $588.69 | $717.89 | $7,500 | $10,000 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $593.74 | $724.05 | $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 | $597.94 | $729.16 | $6,500 | $10,000 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $623.55 | $760.40 | $0 | $9,900 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $626.85 | $764.42 | $0 | $9,900 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $633.46 | $772.49 | $0 | $9,900 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $782.27 | $953.95 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $789.19 | $962.39 | $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 | $794.89 | $969.34 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $830.27 | $1,012.48 | $0 | $9,900 |
| Clarity Silver Ambetter Health | Silver | HMO | $454.47 | $554.22 | $8,000 | $8,400 |
| Standard Silver Ambetter Health | Silver | HMO | $484.76 | $591.15 | $6,000 | $8,900 |
| Silver Savings 1821 (Primary Care Copay, Open Access) Health First Commercial Plans, Inc. | Silver | HMO | $485.39 | $591.92 | $4,500 | $8,000 |
| Silver Standard 1829 Health First Commercial Plans, Inc. | Silver | HMO | $489.04 | $596.37 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $490.60 | $598.27 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $497.87 | $607.14 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $498.73 | $608.18 | $5,000 | $8,650 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $503.88 | $614.46 | $6,300 | $8,400 |
| Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access) Health First Commercial Plans, Inc. | Silver | HMO | $506.16 | $617.24 | $4,500 | $8,000 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $512.22 | $624.63 | $5,000 | $8,650 |
| Silver 1664 (Primary Care & Specialist Copays, Open Access) Health First Commercial Plans, Inc. | Silver | HMO | $518.16 | $631.87 | $4,550 | $7,600 |
| Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access) Health First Commercial Plans, Inc. | Silver | HMO | $538.92 | $657.19 | $4,550 | $7,600 |
| myBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $557.94 | $680.39 | $9,500 | $10,150 |
| myBlue Silver 26M02-04V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $561.42 | $684.64 | $9,500 | $10,150 |
| myBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $566.84 | $691.24 | $7,000 | $9,125 |
| myBlue Silver 26M02-04E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $568.40 | $693.15 | $9,500 | $10,150 |
| myBlue Silver 25M02-03V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $570.19 | $695.32 | $7,000 | $9,125 |
| myBlue Silver 25M02-03E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $577.15 | $703.82 | $7,000 | $9,125 |
| myBlue Silver 24M02-78 ($50 PCP Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $580.05 | $707.35 | $6,400 | $9,200 |
| myBlue Silver 24M02-78V ($50 PCP Visits / $20 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $583.42 | $711.46 | $6,400 | $9,200 |
| myBlue Silver 24M02-78E ($50 PCP Visits / $20 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $590.38 | $719.95 | $6,400 | $9,200 |
| myBlue Silver 2010 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $605.84 | $738.80 | $2,800 | $7,675 |
| myBlue Silver 2010V (Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $609.23 | $742.94 | $2,800 | $7,675 |
| myBlue Silver 2010E (Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $616.20 | $751.44 | $2,800 | $7,675 |
| myBlue Silver 2323S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $622.73 | $759.40 | $6,000 | $8,900 |
| Partnered Care Classic Silver Cigna HealthCare of Florida, Inc. | Silver | HMO | $627.13 | $764.77 | $5,000 | $7,950 |
| Partnered Care Premier Silver Cigna HealthCare of Florida, Inc. | Silver | HMO | $627.93 | $765.74 | $7,000 | $8,500 |
| Connect Silver Mid-South 4500 Indiv Med Deductible Cigna Healthcare | Silver | EPO | $642.24 | $783.18 | $4,500 | $9,350 |
| Connect Silver Mid-South 3800 Indiv Med Deductible Cigna Healthcare | Silver | EPO | $643.27 | $784.45 | $3,800 | $9,500 |
| Connect Silver Mid-South CMS Standard Cigna Healthcare | Silver | EPO | $648.43 | $790.74 | $6,000 | $8,900 |
| Partnered Care Silver CMS Standard Cigna HealthCare of Florida, Inc. | Silver | HMO | $650.48 | $793.24 | $6,000 | $8,900 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $650.51 | $793.28 | $3,500 | $10,150 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $653.13 | $796.48 | $1,850 | $9,100 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $660.07 | $804.94 | $3,500 | $10,150 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Silver | HMO | $664.76 | $810.65 | $6,000 | $8,900 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $760.32 | $927.19 | $4,000 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $763.68 | $931.28 | $4,000 | $8,100 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $770.37 | $939.45 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $772.93 | $942.56 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $781.66 | $953.21 | $3,125 | $8,100 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,218.87 | $1,486.37 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,301.87 | $1,587.58 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,316.97 | $1,606.00 | $3,125 | $8,100 |
| Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) Health First Commercial Plans, Inc. | Gold | HMO | $461.24 | $562.46 | $3,050 | $8,100 |
| Standard Gold Ambetter Health | Gold | HMO | $474.41 | $578.52 | $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 | $482.00 | $587.78 | $3,050 | $8,100 |
| Everyday Gold Ambetter Health | Gold | HMO | $484.68 | $591.05 | $800 | $7,250 |
| Gold Standard 1833 Health First Commercial Plans, Inc. | Gold | HMO | $485.22 | $591.71 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $487.24 | $594.17 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $497.79 | $607.04 | $800 | $7,250 |
| Complete Gold Ambetter Health | Gold | HMO | $500.87 | $610.80 | $1,450 | $7,500 |
| Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) Health First Commercial Plans, Inc. | Gold | HMO | $511.74 | $624.05 | $3,000 | $8,250 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $514.42 | $627.32 | $1,450 | $7,500 |
| 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 | $532.50 | $649.37 | $3,000 | $8,250 |
| Partnered Care Premier Gold Cigna HealthCare of Florida, Inc. | Gold | HMO | $549.60 | $670.22 | $1,850 | $7,700 |
| Connect Gold Mid-South 2250 Indiv Med Deductible Cigna Healthcare | Gold | EPO | $556.19 | $678.26 | $2,250 | $9,450 |
| Partnered Care Gold CMS Standard Cigna HealthCare of Florida, Inc. | Gold | HMO | $563.74 | $687.46 | $2,000 | $8,200 |
| Connect Gold Mid-South CMS Standard Cigna Healthcare | Gold | EPO | $568.48 | $693.24 | $2,000 | $8,200 |
| Connect Gold Mid-South 850 Indiv Med Deductible Cigna Healthcare | Gold | EPO | $594.29 | $724.72 | $850 | $8,550 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $711.75 | $867.95 | $800 | $9,000 |
| myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $713.02 | $869.50 | $2,000 | $8,200 |
| Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $718.75 | $876.49 | $800 | $9,000 |
| myBlue Gold 2011 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $725.10 | $884.24 | $940 | $4,500 |
| Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Gold | HMO | $726.36 | $885.77 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $727.39 | $887.02 | $1,400 | $5,000 |
| myBlue Gold 2016 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $756.90 | $923.01 | $0 | $6,550 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $855.05 | $1,042.71 | $2,000 | $8,200 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $875.29 | $1,067.39 | $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 | $898.38 | $1,095.54 | $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 | $901.70 | $1,099.59 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,280.96 | $1,562.09 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,311.40 | $1,599.21 | $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 | $1,347.03 | $1,642.65 | $0 | $6,250 |
| myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $983.83 | $1,199.75 | $0 | $2,250 |
| myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $1,030.67 | $1,256.86 | $0 | $5,200 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,120.05 | $1,365.86 | $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 | $1,151.12 | $1,403.76 | $0 | $2,525 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,199.65 | $1,462.93 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,701.23 | $2,074.59 | $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 | $1,750.23 | $2,134.35 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,823.72 | $2,223.96 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $436/mo | $352 | $660 | 42 | 6 |
| 2023 | $449/mo | $365 | $682 | 40 | 7 |
| 2024 | $434/mo | $380 | $723 | 35 | 7 |
| 2025 | $481/mo | $396 | $830 | 42 | 7 |
| 2026 | $645/mo | $454 | $1,317 | 43 | 7 |
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Frequently Asked Questions
How many ACA plans are available in Indian River, FL?
There are 121 ACA marketplace plans available in Indian River from 7 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Indian River?
The lowest-premium plan in Indian River starts at $435/mo (Bronze tier, age 27). Silver plans start at $454/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Indian River?
The benchmark (second-lowest Silver) premium in Indian River is $485/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 Indian River?
Average premiums in Indian River changed by +45.3% 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 Indian River?
The average annual deductible across all plans in Indian River is $4,883, and the average out-of-pocket maximum is $8,543. 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 Indian River?
There are 7 insurance issuers offering ACA marketplace plans in Indian River, including Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Ambetter Health, 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
