ACA plans available
33
Plan year 2026
2026 data Public-data reference. official source
Monroe, Florida Health Insurance
Open-data reference.
33 ACA plans from 1 issuer - Plan year 2026
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, before subsidies). 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
+62.2%
Year-over-Year Change
$4,402
Avg Deductible
What the Numbers Say About Monroe
Monroe, Florida has 33 ACA marketplace plans offered by 1 issuer for plan year 2026. The average Silver-tier premium comes in at $1,318/mo for a 27-year-old non-tobacco user, with the lowest Silver at $1,043 and the highest at $1,807. Bronze plans start at $778/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $1,048/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 $4,402 and the average out-of-pocket maximum is $7,655 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Monroe shifted by +62.2%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 1 issuer active in Monroe, consumers face limited competition, which historically correlates with higher benchmark premiums. EPO is the most common network type in Monroe, with PPO rounding out the alternatives. 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$906/mo avg
$778 - $1,034
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 premium (2nd-lowest Silver plan) 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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
1
Limited competition
Benchmark Silver
$1,048 /mo
Sets your subsidy ceiling
Avg deductible
$4,402
Across all metal tiers
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.
Source: CMS Marketplace Public Use Files for Monroe, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
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 |
Frequently Asked Questions
How many ACA plans are available in Monroe, FL?
There are 33 ACA marketplace plans available in Monroe from 1 insurance issuer for plan year 2026.
What is the cheapest health insurance plan in 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.
What is the benchmark premium for Monroe?
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.
How have premiums changed in Monroe?
Average premiums in Monroe changed by +62.2% 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 Monroe?
The average annual deductible across all plans in Monroe is $4,402, and the average out-of-pocket maximum is $7,655. 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 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.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
