ACA plans available
159
Plan year 2026
2026 data Public-data reference. official source
Polk, Florida Health Insurance
Open-data reference.
159 ACA plans from 7 issuers — Plan year 2026
Polk, Florida offers 159 ACA marketplace plans from 7 issuers for plan year 2026. Bronze plans start at $434/mo and Silver plans start at $531/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$685
Avg Silver Premium/mo
$542
Benchmark Premium/mo
+43.3%
Year-over-Year Change
$4,815
Avg Deductible
What the Numbers Say About Polk
Polk, Florida has 159 ACA marketplace plans offered by 7 issuers for plan year 2026. The average Silver-tier premium comes in at $685/mo for a 27-year-old non-tobacco user, with the lowest Silver at $531 and the highest at $1,328. Bronze plans start at $434/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $542/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 $4,815 and the average out-of-pocket maximum is $8,745 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Polk shifted by +43.3%, 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 Polk, 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
6 plans$570/mo avg
$434 — $760
Silver
55 plans$685/mo avg
$531 — $1,328
Gold
38 plans$754/mo avg
$554 — $1,358
Platinum
11 plans$1,283/mo avg
$983 — $1,839
Catastrophic plan available: avg $394/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Polk is $542/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
$542 /mo
Sets your subsidy ceiling
Avg deductible
$4,815
Across all metal tiers
Polk ACA plans by premium and deductible
Each marker is the Polk 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 Polk, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Polk
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 39 | $677/mo |
| Florida Blue (BlueCross BlueShield FL) | 33 | $980/mo |
| Oscar Health Maintenance Organization of Florida | 19 | $582/mo |
| Ambetter Health | 19 | $534/mo |
| Molina Healthcare | 19 | $600/mo |
| UnitedHealthcare | 17 | $735/mo |
| Wellpoint | 13 | $515/mo |
All Plans in Polk
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) Wellpoint | Catastrophic | HMO | $394.37 | $480.92 | $10,600 | $10,600 |
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | HMO | $434.36 | $529.69 | $10,125 | $10,150 |
| BlueCare Bronze 24K01-05 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | POS | $532.96 | $649.93 | $6,150 | $10,150 |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $561.15 | $684.30 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $561.22 | $684.39 | $10,600 | $10,600 |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $571.94 | $697.46 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $760.10 | $926.92 | $6,150 | $10,150 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $417.78 | $509.47 | $8,450 | $10,150 |
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $418.26 | $510.05 | $6,000 | $10,600 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $419.06 | $511.03 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $424.70 | $517.91 | $5,500 | $10,600 |
| Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Expanded Bronze | HMO | $428.35 | $522.36 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $429.09 | $523.26 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $430.40 | $524.86 | $7,500 | $10,000 |
| Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Expanded Bronze | HMO | $432.56 | $527.49 | $5,500 | $10,600 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $459.76 | $560.66 | $9,000 | $10,600 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $477.21 | $581.94 | $0 | $10,500 |
| Bronze Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $484.85 | $591.26 | $7,500 | $10,000 |
| Molina Bronze Standard Molina Healthcare | Expanded Bronze | HMO | $485.75 | $592.36 | $7,500 | $10,000 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $490.12 | $597.68 | $0 | $10,500 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $494.83 | $603.43 | $2,625 | $10,150 |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $495.56 | $604.32 | $7,500 | $10,000 |
| Bronze Classic 4700 | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $497.08 | $606.17 | $4,700 | $9,200 |
| Molina Bronze Enhanced 3500 Molina Healthcare | Expanded Bronze | HMO | $497.67 | $606.89 | $3,500 | $9,950 |
| 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 | $501.10 | $611.08 | $6,000 | $10,150 |
| Molina Bronze Enhanced 3500 Pluswith Adult Vision Molina Healthcare | Expanded Bronze | HMO | $501.14 | $611.12 | $3,500 | $9,950 |
| Bronze Classic Standard Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $508.40 | $619.97 | $7,500 | $10,000 |
| Molina Bronze Enhanced 3500 Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $513.37 | $626.03 | $3,500 | $9,950 |
| Bronze Simple Diabetes Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $514.74 | $627.71 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $521.06 | $635.42 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus | with AdventHealth Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $527.24 | $642.95 | $0 | $10,600 |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $535.11 | $652.55 | $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 | $538.42 | $656.59 | $0 | $10,150 |
| Molina Bronze Premier with $0 Medical Deductible Molina Healthcare | Expanded Bronze | HMO | $544.31 | $663.77 | $0 | $10,350 |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $545.21 | $664.87 | $0 | $10,150 |
| Molina Bronze Premier with $0 Medical Deductible Pluswith Adult Vision Molina Healthcare | Expanded Bronze | HMO | $547.79 | $668.02 | $0 | $10,350 |
| Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Vision Molina Healthcare | Expanded Bronze | HMO | $559.98 | $682.88 | $0 | $10,350 |
| BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $562.77 | $686.27 | $6,650 | $7,400 |
| BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $562.86 | $686.39 | $7,500 | $10,000 |
| BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $575.69 | $702.03 | $6,500 | $10,000 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $587.98 | $717.02 | $7,500 | $10,000 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $593.51 | $723.77 | $7,500 | $10,000 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $598.60 | $729.97 | $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 | $602.83 | $735.13 | $6,500 | $10,000 |
| BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $608.40 | $741.92 | $0 | $9,900 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $608.68 | $742.26 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $609.19 | $742.89 | $0 | $10,600 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $628.65 | $766.62 | $0 | $9,900 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $629.89 | $768.13 | $0 | $10,600 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $631.99 | $770.69 | $0 | $9,900 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $638.65 | $778.81 | $0 | $9,900 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $788.66 | $961.75 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $795.65 | $970.27 | $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 | $801.38 | $977.26 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $837.06 | $1,020.76 | $0 | $9,900 |
| Clarity Silver Ambetter Health | Silver | HMO | $530.55 | $646.99 | $8,000 | $8,400 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $542.00 | $660.96 | $3,500 | $10,150 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $544.18 | $663.61 | $1,850 | $9,100 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Silver | HMO | $549.97 | $670.67 | $3,500 | $10,150 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Silver | HMO | $553.88 | $675.44 | $6,000 | $8,900 |
| Standard Silver Ambetter Health | Silver | HMO | $565.90 | $690.10 | $6,000 | $8,900 |
| myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $569.69 | $694.72 | $9,500 | $10,150 |
| Focused Silver Ambetter Health | Silver | HMO | $572.72 | $698.42 | $6,300 | $8,400 |
| myBlue Silver 26M06-03V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $573.13 | $698.91 | $9,500 | $10,150 |
| myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $578.54 | $705.51 | $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 | $579.96 | $707.25 | $9,500 | $10,150 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $581.21 | $708.77 | $6,000 | $8,900 |
| myBlue Silver 25M06-02V ($0 Labs / $50 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $581.83 | $709.52 | $7,000 | $9,150 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $582.21 | $709.98 | $5,000 | $8,650 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $588.22 | $717.31 | $6,300 | $8,400 |
| myBlue Silver 25M06-02E ($0 Labs / $50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $588.65 | $717.84 | $7,000 | $9,150 |
| myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $591.28 | $721.05 | $6,500 | $9,200 |
| myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $594.58 | $725.07 | $6,500 | $9,200 |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $597.61 | $728.77 | $3,150 | $8,675 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $597.96 | $729.19 | $5,000 | $8,650 |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $600.90 | $732.78 | $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 | $601.38 | $733.37 | $6,500 | $9,200 |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $607.71 | $741.09 | $3,150 | $8,675 |
| myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $607.98 | $741.41 | $6,000 | $8,900 |
| Molina Silver Saver with Four Free PCP Visits Molina Healthcare | Silver | HMO | $614.83 | $749.77 | $7,000 | $10,150 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $619.55 | $755.52 | $6,000 | $8,990 |
| Molina Silver Core Pluswith Adult Vision Molina Healthcare | Silver | HMO | $623.00 | $759.73 | $6,000 | $8,990 |
| Silver Simple PCP Saver | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $627.15 | $764.78 | $5,000 | $9,250 |
| Silver Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $632.75 | $771.62 | $6,000 | $8,900 |
| Silver Simple Diabetes | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $633.11 | $772.05 | $6,500 | $10,000 |
| Silver Simple Chronic Care CKM | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $634.34 | $773.56 | $5,900 | $10,150 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $635.19 | $774.60 | $6,000 | $8,990 |
| Silver Elite | with AdventHealth Oscar Health Maintenance Organization of Florida | Silver | HMO | $640.23 | $780.74 | $5,000 | $9,850 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $640.65 | $781.26 | $6,000 | $8,900 |
| Silver Classic Standard Oscar Health Maintenance Organization of Florida | Silver | HMO | $664.49 | $810.32 | $6,000 | $8,900 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $664.63 | $810.49 | $6,200 | $9,600 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $665.53 | $811.59 | $6,000 | $10,150 |
| BlueCare Silver 24K01-02 ($10 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $733.63 | $894.64 | $4,000 | $8,100 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $742.68 | $905.67 | $4,500 | $9,900 |
| BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $758.35 | $924.79 | $6,000 | $8,900 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $763.38 | $930.91 | $4,500 | $9,900 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $766.55 | $934.78 | $4,000 | $8,100 |
| BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $768.12 | $936.70 | $3,125 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $769.93 | $938.91 | $4,000 | $8,100 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $776.68 | $947.14 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $779.25 | $950.27 | $6,000 | $8,900 |
| UHC Silver Standard- UnitedHealthcare | Silver | HMO | $780.13 | $951.34 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $780.21 | $951.44 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $788.05 | $961.00 | $3,125 | $8,100 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $790.58 | $964.08 | $2,700 | $10,350 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare | Silver | HMO | $800.91 | $976.69 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $811.28 | $989.33 | $2,700 | $10,350 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,228.84 | $1,498.53 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,312.53 | $1,600.58 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,327.74 | $1,619.14 | $3,125 | $8,100 |
| Standard Gold Ambetter Health | Gold | HMO | $553.82 | $675.36 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $565.81 | $689.98 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $568.80 | $693.63 | $2,000 | $8,200 |
| Gold Simple | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $571.92 | $697.43 | $3,000 | $9,950 |
| Gold Elite Saver Plus | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $573.51 | $699.38 | $0 | $9,500 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $581.11 | $708.65 | $800 | $7,250 |
| Complete Gold Ambetter Health | Gold | HMO | $584.71 | $713.04 | $1,450 | $7,500 |
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $593.03 | $723.18 | $800 | $9,000 |
| Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $598.86 | $730.29 | $800 | $9,000 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $600.53 | $732.33 | $1,450 | $7,500 |
| Gold Classic Standard | with AdventHealth Oscar Health Maintenance Organization of Florida | Gold | HMO | $600.79 | $732.64 | $2,000 | $8,200 |
| Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard Wellpoint | Gold | HMO | $605.20 | $738.02 | $2,000 | $8,200 |
| Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) Wellpoint | Gold | HMO | $606.06 | $739.07 | $1,400 | $5,000 |
| Gold Classic Standard Oscar Health Maintenance Organization of Florida | Gold | HMO | $630.77 | $769.20 | $2,000 | $8,200 |
| Molina Gold Enhanced 895 Molina Healthcare | Gold | HMO | $650.41 | $793.15 | $895 | $8,700 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $650.88 | $793.73 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Pluswith Adult Vision Molina Healthcare | Gold | HMO | $653.87 | $797.37 | $895 | $8,700 |
| Molina Gold Core 1640 Pluswith Adult Vision Molina Healthcare | Gold | HMO | $654.38 | $798.00 | $1,640 | $8,100 |
| Molina Gold Enhanced 895 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $666.05 | $812.22 | $895 | $8,700 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $666.56 | $812.84 | $1,640 | $8,100 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $680.90 | $830.33 | $2,000 | $8,200 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $720.99 | $879.23 | $2,000 | $8,200 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $733.28 | $894.20 | $940 | $4,500 |
| myBlue Gold 24M05-74 ($0 Deductible / $25 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $759.33 | $925.97 | $0 | $6,550 |
| BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $838.46 | $1,022.48 | $2,000 | $8,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $849.08 | $1,035.42 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $856.40 | $1,044.35 | $0 | $10,600 |
| BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $859.12 | $1,047.67 | $1,500 | $6,450 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $862.05 | $1,051.24 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $871.98 | $1,063.35 | $500 | $9,000 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $882.45 | $1,076.11 | $1,500 | $6,450 |
| BlueCare Gold 24K01-08 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $889.27 | $1,084.43 | $0 | $6,250 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $892.68 | $1,088.59 | $500 | $9,000 |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $905.72 | $1,104.50 | $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 | $909.08 | $1,108.59 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,291.45 | $1,574.88 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,322.14 | $1,612.30 | $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 | $1,358.05 | $1,656.10 | $0 | $6,250 |
| 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 | $982.52 | $1,198.15 | $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 | $1,029.23 | $1,255.11 | $0 | $5,200 |
| BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,049.26 | $1,279.53 | $1,000 | $4,000 |
| BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,089.19 | $1,328.23 | $0 | $2,525 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,129.22 | $1,377.05 | $1,000 | $4,000 |
| BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,141.44 | $1,391.95 | $0 | $5,200 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,160.54 | $1,415.24 | $0 | $2,525 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,209.47 | $1,474.90 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,715.16 | $2,091.57 | $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 | $1,764.55 | $2,151.81 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,838.64 | $2,242.16 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $476/mo | $384 | $791 | 38 | 4 |
| 2023 | $508/mo | $400 | $804 | 43 | 5 |
| 2024 | $501/mo | $415 | $858 | 44 | 7 |
| 2025 | $516/mo | $415 | $927 | 57 | 9 |
| 2026 | $685/mo | $531 | $1,328 | 55 | 7 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Explore Florida ACA Data
All of Florida
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Polk, FL?
There are 159 ACA marketplace plans available in Polk from 7 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Polk?
The lowest-premium plan in Polk starts at $434/mo (Bronze tier, age 27). Silver plans start at $531/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Polk?
The benchmark (second-lowest Silver) premium in Polk is $542/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 Polk?
Average premiums in Polk changed by +43.3% 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 Polk?
The average annual deductible across all plans in Polk is $4,815, and the average out-of-pocket maximum is $8,745. 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 Polk?
There are 7 insurance issuers offering ACA marketplace plans in Polk, including Florida Blue HMO (a BlueCross BlueShield FL company), Florida Blue (BlueCross BlueShield FL), Oscar Health Maintenance Organization of Florida, 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.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
