ACA plans available
33
Plan year 2026
CMS Marketplace county · plan year 2026
Monroe, Florida ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $1,318
- Silver avg/mo
- 33
- ACA plans
- 1
- Issuer
- +43.8%
- YoY premium
Silver avg $1,318/mo
Monroe, Florida has 33 ACA marketplace plans from 1 issuer (plan year 2026). Average Silver premium is $1,318/mo; Bronze averages $935/mo and Gold $1,464/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $1,048/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Monroe, Florida ranks #1 of 2,055 counties by listed Silver average ($1,318/mo) and #1,449 of 2,055 by plan count (33 plans).
- #1 of 2,055
- Silver average among 2,055 counties
- $1,318
- Listed Silver average /mo
- #1,449 of 2,055
- Plan count among 2,055 counties
- 33
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Monroe, Florida offers 33 ACA marketplace plans from 1 issuer for plan year 2026. Bronze plans start at $778/mo and Silver plans start at $1,043/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$1,318
Avg Silver Premium/mo
$1,048
Benchmark Premium/mo
+43.8%
Year-over-Year Change
$4,402
Avg Deductible
High-premium band
Monroe in the high-premium third
$1,318/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #1 of 2055 (highest Silver = #1).
Bronze starts at $778/mo; Silver spans $1,043–$1,807/mo (age 27). Benchmark (2nd-lowest Silver) is $1,048/mo, the subsidy ceiling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
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.
Bronze
12 plans$935/mo avg
$778 - $1,139
Silver
8 plans$1,318/mo avg
$1,043 - $1,807
Gold
7 plans$1,464/mo avg
$1,173 - $1,848
Platinum
6 plans$2,000/mo avg
$1,537 - $2,502
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Monroe is $1,048/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.
Issuers in market
1
Limited competition
Benchmark Silver
$1,048 /mo
Sets your subsidy ceiling
Avg deductible
$4,402
Across all metal tiers
F
Marketplace Access Score
29/100
Monroe
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.
Affordability F
$1,048/mo
Benchmark Silver premium; rank #1 of 2055 tracked counties (cheapest first)
Plan Choice F
33 plans
ACA marketplace plan count; rank #1449 of 2055 tracked counties (most first)
Issuer Competition F
1 issuer
Distinct marketplace issuers; rank #2036 of 2055 tracked counties (most first)
Cost Predictability A+
$4,402
Average deductible across tracked plans; rank #1914 of 2055 tracked counties (lowest first)
Monroe ACA plans by premium and deductible
Each marker is the Monroe 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.
Monroe ACA marketplace plans: premium vs deductible
How Monroe's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Monroe vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$1,318 1st of 2055 the highest 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
Issuers in Monroe
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue (BlueCross BlueShield FL) | 33 | $1,334/mo |
All Plans in Monroe
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $778.27 | $949.07 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $1,034.31 | $1,261.31 | $6,150 | $10,150 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $807.63 | $984.88 | $7,500 | $10,000 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $814.55 | $993.31 | $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 | $820.30 | $1,000.33 | $6,500 | $10,000 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $855.44 | $1,043.18 | $0 | $9,900 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $859.98 | $1,048.71 | $0 | $9,900 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $869.04 | $1,059.77 | $0 | $9,900 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $1,073.18 | $1,308.71 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $1,082.68 | $1,320.29 | $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 | $1,090.50 | $1,329.82 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $1,139.03 | $1,389.01 | $0 | $9,900 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,043.08 | $1,272.01 | $4,000 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,047.69 | $1,277.62 | $4,000 | $8,100 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,056.87 | $1,288.81 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,060.38 | $1,293.09 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $1,072.36 | $1,307.70 | $3,125 | $8,100 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,672.15 | $2,039.13 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,786.02 | $2,177.99 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,806.74 | $2,203.26 | $3,125 | $8,100 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $1,173.04 | $1,430.48 | $2,000 | $8,200 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $1,200.80 | $1,464.33 | $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 | $1,232.47 | $1,502.95 | $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 | $1,237.03 | $1,508.51 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,757.34 | $2,143.01 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,799.09 | $2,193.93 | $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 | $1,847.98 | $2,253.55 | $0 | $6,250 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,536.59 | $1,873.82 | $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 | $1,579.21 | $1,925.79 | $0 | $2,525 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,645.79 | $2,006.98 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $2,333.90 | $2,846.11 | $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 | $2,401.13 | $2,928.09 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $2,501.94 | $3,051.03 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $796/mo | $585 | $995 | 8 | 1 |
| 2023 | $826/mo | $622 | $1,022 | 8 | 1 |
| 2024 | $859/mo | $645 | $1,083 | 6 | 1 |
| 2025 | $873/mo | $741 | $1,243 | 13 | 2 |
| 2026 | $1,318/mo | $1,043 | $1,807 | 8 | 1 |
What this means for Monroe
Use Monroe's own numbers here, not a national average, before you enroll.
- $1,318/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 33 plans from 1 issuer puts Monroe in the thinnest third of tracked counties -- check the rest of Florida for more options. All of Florida
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.
Frequently Asked Questions
Why is Monroe's Silver premium in the high band?
Monroe ranks #1 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $1,318/mo. See /methodology#corpus-placement.
Why does Monroe carry a thin ACA plan book?
Monroe lists 33 marketplace plans from 1 issuer - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the floor premium in high-cost Monroe?
The lowest-premium plan in Monroe starts at $778/mo (Bronze tier, age 27). Silver plans start at $1,043/mo. Actual premiums vary by age and may be reduced by premium tax credits.
How does the Monroe benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in Monroe is $1,048/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Monroe premiums rise +43.8% year-over-year?
The average age-27 premium in Monroe changed by +43.8% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Monroe?
Only 1 issuer sell marketplace plans in Monroe (Florida Blue (BlueCross BlueShield FL)). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Monroe?
There are 1 insurance issuer offering ACA marketplace plans in Monroe, including Florida Blue (BlueCross BlueShield FL). 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 Monroe, FL's $1,048/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Monroe, 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.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($1,048/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (1 here).
Data sources
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.