ACA plans available
83
Plan year 2026
CMS Marketplace county · plan year 2026
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
Madison, Florida has 83 ACA marketplace plans from 5 issuers (plan year 2026). Average Silver premium is $646/mo; Bronze averages $514/mo and Gold $722/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Madison, Florida ranks #874 of 2,055 counties by listed Silver average ($646/mo) and #150 of 2,055 by plan count (83 plans).
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Madison, Florida offers 83 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $395/mo and Silver plans start at $502/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
Dense plan inventory
83 plans put Madison in the densest third of county ACA inventories. Corpus place #874 of 2055 (highest Silver = #1).
Mid-pack Silver avg $646/mo with 83 plans in the densest third of county inventories. YoY average shift: +32.9%. The local market is heavily HMO-dominated -- shoppers who specifically want a PPO network have only a handful of plans to choose from here.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
The benchmark (second-lowest Silver) premium in Madison 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.
ACA plans available
83
Plan year 2026
Issuers in market
5
Competitive market
Benchmark Silver
$535 /mo
Sets your subsidy ceiling
Avg deductible
$5,287
Across all metal tiers
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Each marker is the Madison 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.
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Madison vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$646 874th of 2055 higher than 1,181 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 25 | $624/mo |
| Ambetter Health | 19 | $505/mo |
| UnitedHealthcare | 17 | $663/mo |
| Florida Blue (BlueCross BlueShield FL) | 14 | $985/mo |
| Capital Health Plan | 8 | $569/mo |
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Capital Health Plan HMO Bronze 1100 Capital Health Plan | Bronze | HMO | $415.30 | $506.44 | $8,000 | $10,150 |
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | HMO | $439.04 | $535.39 | $10,125 | $10,150 |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $506.06 | $617.13 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $506.12 | $617.20 | $10,600 | $10,600 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $611.60 | $745.83 | $6,150 | $10,150 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $395.13 | $481.85 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $396.34 | $483.33 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $405.82 | $494.89 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $407.07 | $496.40 | $7,500 | $10,000 |
| Capital Health Plan HMO Bronze 1000 Capital Health Plan | Expanded Bronze | HMO | $433.34 | $528.45 | $7,500 | $10,000 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $451.33 | $550.38 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $463.54 | $565.28 | $0 | $10,500 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $500.16 | $609.93 | $2,625 | $10,150 |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $500.89 | $610.82 | $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 | $506.49 | $617.64 | $6,000 | $10,150 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $530.26 | $646.63 | $7,500 | $10,000 |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $540.86 | $659.56 | $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 | $544.22 | $663.65 | $0 | $10,150 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $548.92 | $669.39 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $549.39 | $669.96 | $0 | $10,600 |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $551.08 | $672.02 | $0 | $10,150 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $568.06 | $692.72 | $0 | $10,600 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $634.58 | $773.85 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $640.20 | $780.70 | $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 | $644.82 | $786.34 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $673.53 | $821.35 | $0 | $9,900 |
| Clarity Silver Ambetter Health | Silver | HMO | $501.78 | $611.91 | $8,000 | $8,400 |
| Standard Silver Ambetter Health | Silver | HMO | $535.22 | $652.68 | $6,000 | $8,900 |
| Focused Silver Ambetter Health | Silver | HMO | $541.67 | $660.55 | $6,300 | $8,400 |
| Capital Health Plan HMO Silver 2400 Capital Health Plan | Silver | HMO | $543.08 | $662.27 | $7,000 | $8,900 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $549.70 | $670.34 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $550.64 | $671.49 | $5,000 | $8,650 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $556.33 | $678.42 | $6,300 | $8,400 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $565.54 | $689.65 | $5,000 | $8,650 |
| Capital Health Plan HMO Silver 2300 Capital Health Plan | Silver | HMO | $573.53 | $699.40 | $6,000 | $8,900 |
| myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $575.82 | $702.20 | $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 | $579.29 | $706.43 | $9,500 | $10,150 |
| myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $584.76 | $713.10 | $7,000 | $9,150 |
| myBlue Silver 26M06-03E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $586.20 | $714.85 | $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 | $588.10 | $717.16 | $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 | $594.99 | $725.57 | $7,000 | $9,150 |
| myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $597.63 | $728.79 | $6,500 | $9,200 |
| Capital Health Plan HMO Silver 2100 Capital Health Plan | Silver | HMO | $600.04 | $731.73 | $5,800 | $8,500 |
| myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $600.98 | $732.87 | $6,500 | $9,200 |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $604.05 | $736.61 | $3,150 | $8,675 |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $607.37 | $740.66 | $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 | $607.85 | $741.25 | $6,500 | $9,200 |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $614.25 | $749.06 | $3,150 | $8,675 |
| myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $614.52 | $749.38 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $669.77 | $816.76 | $4,500 | $9,900 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $688.43 | $839.52 | $4,500 | $9,900 |
| UHC Silver Standard- UnitedHealthcare | Silver | HMO | $703.54 | $857.94 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $703.62 | $858.04 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $712.97 | $869.44 | $2,700 | $10,350 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare | Silver | HMO | $722.29 | $880.80 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $731.63 | $892.20 | $2,700 | $10,350 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $988.77 | $1,205.77 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,056.10 | $1,287.88 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,068.35 | $1,302.82 | $3,125 | $8,100 |
| Standard Gold Ambetter Health | Gold | HMO | $523.79 | $638.74 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $535.13 | $652.57 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $537.96 | $656.02 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $549.61 | $670.23 | $800 | $7,250 |
| Complete Gold Ambetter Health | Gold | HMO | $553.01 | $674.38 | $1,450 | $7,500 |
| Capital Health Plan HMO Gold 3100 Capital Health Plan | Gold | HMO | $559.54 | $682.34 | $2,000 | $8,200 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $567.97 | $692.62 | $1,450 | $7,500 |
| Capital Health Plan HMO Gold 3000 Capital Health Plan | Gold | HMO | $612.13 | $746.48 | $0 | $8,500 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $728.75 | $888.68 | $2,000 | $8,200 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $741.17 | $903.83 | $940 | $4,500 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $765.72 | $933.77 | $2,000 | $8,200 |
| myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $767.49 | $935.93 | $0 | $6,550 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $772.33 | $941.83 | $0 | $10,600 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $786.37 | $958.96 | $500 | $9,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $805.04 | $981.72 | $500 | $9,000 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,039.14 | $1,267.20 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,063.84 | $1,297.31 | $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 | $1,092.74 | $1,332.56 | $0 | $6,250 |
| Capital Health Plan HMO Platinum 4000 Capital Health Plan | Platinum | HMO | $815.61 | $994.61 | $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 | $993.10 | $1,211.05 | $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 | $1,040.31 | $1,268.62 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,380.07 | $1,682.95 | $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 | $1,419.82 | $1,731.42 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,479.43 | $1,804.11 | $0 | $5,200 |
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $510/mo | $467 | $579 | 17 | 2 |
| 2023 | $505/mo | $422 | $614 | 25 | 4 |
| 2024 | $467/mo | $387 | $654 | 26 | 5 |
| 2025 | $480/mo | $382 | $727 | 33 | 6 |
| 2026 | $646/mo | $502 | $1,068 | 33 | 5 |
What this means for Madison
Use Madison's own numbers here, not a national average, before you enroll.
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Madison ranks #874 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $646/mo. See /methodology#corpus-placement.
Madison carries 83 ACA plans from 5 issuers, putting it in the densest third of county inventories nationwide.
The lowest-premium plan in Madison starts at $395/mo (Bronze tier, age 27). Silver plans start at $502/mo. Actual premiums vary by age and may be reduced by premium tax credits.
The benchmark (second-lowest Silver) premium in Madison is $535/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
The average age-27 premium in Madison changed by +32.9% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
The average annual deductible across all plans in Madison is $5,287, and the average out-of-pocket maximum is $8,740. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
There are 5 insurance issuers offering ACA marketplace plans in Madison, including Florida Blue HMO (a BlueCross BlueShield FL company), Ambetter Health, UnitedHealthcare, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
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.
The closest counties nationwide to Madison, FL's $535/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Two CMS Marketplace peer sets for Madison, FL, both outside FL so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Nearest other-state counties by benchmark premium ($535/mo here).
Nearest other-state counties by issuer count (5 here).
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.