ACA plans available
123
Plan year
2026 data Public-data reference. official source
Santa Rosa, Florida Health Insurance
Open-data reference.
123 ACA plans from 5 issuers — Plan year 2026
Santa Rosa, Florida offers 123 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $473/mo and Silver plans start at $605/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$728
Avg Silver Premium/mo
$620
Benchmark Premium/mo
+45.5%
Year-over-Year Change
$5,076
Avg Deductible
What the Numbers Say About Santa Rosa
Santa Rosa, Florida has 123 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $728/mo for a 27-year-old non-tobacco user, with the lowest Silver at $605 and the highest at $1,245. Bronze plans start at $473/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $620/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 $5,076 and the average out-of-pocket maximum is $8,596 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Santa Rosa shifted by +45.5%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Santa Rosa, 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$547/mo avg
$473 — $713
Silver
45 plans$728/mo avg
$605 — $1,245
Gold
25 plans$827/mo avg
$631 — $1,273
Platinum
11 plans$1,275/mo avg
$1,059 — $1,724
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Santa Rosa is $620/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
5
Competitive market
Benchmark Silver
$620 /mo
Sets your subsidy ceiling
Avg deductible
$5,076
Across all metal tiers
Santa Rosa ACA plans by premium and deductible
Each marker is the Santa Rosa 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 Santa Rosa, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Santa Rosa
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 39 | $737/mo |
| Florida Blue (BlueCross BlueShield FL) | 33 | $919/mo |
| Ambetter Health | 19 | $608/mo |
| UnitedHealthcare | 17 | $642/mo |
| Oscar Health Maintenance Organization of Florida | 15 | $686/mo |
All Plans in Santa Rosa
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| myBlue Bronze 26M01-23 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | HMO | $472.93 | $576.72 | $10,125 | $10,150 |
| UHC Bronze Essential- ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $490.21 | $597.79 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $490.27 | $597.87 | $10,600 | $10,600 |
| BlueSelect Bronze 24L01-01 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | EPO | $536.22 | $653.90 | $6,150 | $10,150 |
| BlueCare Bronze 24K01-05 (Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Bronze | POS | $580.29 | $707.64 | $6,150 | $10,150 |
| BlueOptions Bronze 24J01-06 (Rewards) Florida Blue (BlueCross BlueShield FL) | Bronze | PPO | $712.63 | $869.03 | $6,150 | $10,150 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $476.23 | $580.74 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $477.69 | $582.52 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $489.11 | $596.46 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $490.61 | $598.28 | $7,500 | $10,000 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $513.64 | $626.37 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $531.73 | $648.42 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $532.18 | $648.97 | $0 | $10,600 |
| myBlue Bronze 2219 ($75 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $538.78 | $657.02 | $2,625 | $10,150 |
| myBlue Bronze 2312S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $539.56 | $657.98 | $7,500 | $10,000 |
| Elite Bronze Ambetter Health | Expanded Bronze | HMO | $543.96 | $663.35 | $0 | $10,500 |
| 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 | $545.60 | $665.34 | $6,000 | $10,150 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $550.26 | $671.02 | $0 | $10,600 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $553.14 | $674.53 | $9,000 | $10,600 |
| BlueSelect Bronze 2342S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $556.45 | $678.57 | $7,500 | $10,000 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $558.68 | $681.29 | $0 | $10,500 |
| BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $561.21 | $684.38 | $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 | $565.19 | $689.23 | $6,500 | $10,000 |
| myBlue Bronze 2129 ($35 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $582.63 | $710.49 | $0 | $10,150 |
| Bronze Classic Standard Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $583.33 | $711.36 | $7,500 | $10,000 |
| myBlue Bronze 2129V ($35 PCP Visits / $75 Specialist Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $586.23 | $714.89 | $0 | $10,150 |
| Bronze Classic 4700 Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $588.14 | $717.21 | $4,700 | $10,150 |
| BlueSelect Bronze 2139 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $589.40 | $718.75 | $0 | $9,900 |
| Bronze Simple Diabetes Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $590.57 | $720.18 | $5,500 | $10,150 |
| BlueSelect Bronze 2139V ($50 PCP Visits / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $592.52 | $722.56 | $0 | $9,900 |
| myBlue Bronze 2129E ($35 PCP Visits / $75 Specialist Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | HMO | $593.63 | $723.91 | $0 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $597.78 | $728.97 | $5,500 | $10,150 |
| BlueSelect Bronze 2139E ($50 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | EPO | $598.76 | $730.17 | $0 | $9,900 |
| BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $612.74 | $747.22 | $6,650 | $7,400 |
| BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $612.84 | $747.34 | $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 | $626.81 | $764.37 | $6,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Health Maintenance Organization of Florida | Expanded Bronze | HMO | $634.32 | $773.54 | $0 | $10,600 |
| BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Expanded Bronze | POS | $662.42 | $807.80 | $0 | $9,900 |
| BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $739.42 | $901.69 | $7,500 | $10,000 |
| BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $745.96 | $909.67 | $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 | $751.34 | $916.24 | $6,500 | $10,000 |
| BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Expanded Bronze | PPO | $784.78 | $957.02 | $0 | $9,900 |
| Clarity Silver Ambetter Health | Silver | HMO | $604.77 | $737.49 | $8,000 | $8,400 |
| myBlue Silver 26M06-03 ($5 PCP Visits / $5 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $620.29 | $756.42 | $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 | $624.02 | $760.97 | $9,500 | $10,150 |
| myBlue Silver 25M06-02 ($0 Labs / $50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $629.91 | $768.15 | $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 | $631.46 | $770.05 | $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 | $633.50 | $772.53 | $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 | $640.93 | $781.59 | $7,000 | $9,150 |
| myBlue Silver 24M06-76 ($50 PCP Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $643.79 | $785.08 | $6,500 | $9,200 |
| Standard Silver Ambetter Health | Silver | HMO | $645.07 | $786.64 | $6,000 | $8,900 |
| myBlue Silver 24M06-76V ($50 PCP Visits / $15 Labs / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $647.38 | $789.46 | $6,500 | $9,200 |
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $648.79 | $791.17 | $4,500 | $9,900 |
| myBlue Silver 2237 ($60 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $650.68 | $793.48 | $3,150 | $8,675 |
| Focused Silver Ambetter Health | Silver | HMO | $652.84 | $796.12 | $6,300 | $8,400 |
| myBlue Silver 2237V ($60 PCP Visits / Adult Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $654.27 | $797.86 | $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 | $654.79 | $798.49 | $6,500 | $9,200 |
| myBlue Silver 2237E ($60 PCP Visits / Adult Dental & Vision / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $661.69 | $806.90 | $3,150 | $8,675 |
| myBlue Silver 2313S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | HMO | $661.97 | $807.25 | $6,000 | $8,900 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $662.52 | $807.92 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter Health | Silver | HMO | $663.65 | $809.30 | $5,000 | $8,650 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $666.87 | $813.22 | $4,500 | $9,900 |
| Focused Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $670.51 | $817.66 | $6,300 | $8,400 |
| UHC Silver Standard- UnitedHealthcare | Silver | HMO | $681.50 | $831.07 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $681.58 | $831.16 | $6,000 | $8,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter Health | Silver | HMO | $681.61 | $831.20 | $5,000 | $8,650 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $690.63 | $842.20 | $2,700 | $10,350 |
| UHC Silver Standard+ (Dental + Vision) UnitedHealthcare | Silver | HMO | $699.66 | $853.21 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $708.71 | $864.25 | $2,700 | $10,350 |
| BlueSelect Silver 1443 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $718.68 | $876.40 | $4,000 | $8,100 |
| BlueSelect Silver 1443V ($10 Labs / Adult Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $721.84 | $880.26 | $4,000 | $8,100 |
| BlueSelect Silver 1443E ($10 Labs / Adult Dental & Vision / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $728.17 | $887.98 | $4,000 | $8,100 |
| BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $730.59 | $890.93 | $6,000 | $8,900 |
| BlueSelect Silver 1456 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | EPO | $738.84 | $900.99 | $3,125 | $8,100 |
| Silver Simple PCP Saver Oscar Health Maintenance Organization of Florida | Silver | HMO | $754.53 | $920.12 | $5,000 | $9,250 |
| Silver Classic Standard Oscar Health Maintenance Organization of Florida | Silver | HMO | $761.27 | $928.35 | $6,000 | $8,900 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $761.43 | $928.54 | $6,200 | $9,600 |
| Silver Simple Diabetes Oscar Health Maintenance Organization of Florida | Silver | HMO | $761.70 | $928.87 | $6,500 | $10,000 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Maintenance Organization of Florida | Silver | HMO | $762.46 | $929.79 | $6,000 | $10,150 |
| Silver Simple Chronic Care CKM Oscar Health Maintenance Organization of Florida | Silver | HMO | $763.19 | $930.68 | $5,900 | $10,150 |
| Silver Elite Oscar Health Maintenance Organization of Florida | Silver | HMO | $771.47 | $940.78 | $5,000 | $9,750 |
| BlueCare Silver 24K01-02 ($10 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $798.78 | $974.08 | $4,000 | $8,100 |
| BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $825.70 | $1,006.91 | $6,000 | $8,900 |
| BlueCare Silver 24K01-06 ($50 PCP Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Silver | POS | $836.34 | $1,019.88 | $3,125 | $8,100 |
| BlueOptions Silver 24J01-03 ($10 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,152.10 | $1,404.94 | $4,000 | $8,100 |
| BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,230.55 | $1,500.61 | $6,000 | $8,900 |
| BlueOptions Silver 24J01-07 ($50 PCP Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Silver | PPO | $1,244.82 | $1,518.02 | $3,125 | $8,100 |
| Standard Gold Ambetter Health | Gold | HMO | $631.29 | $769.84 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $644.96 | $786.50 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $648.37 | $790.66 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $662.41 | $807.78 | $800 | $7,250 |
| Complete Gold Ambetter Health | Gold | HMO | $666.51 | $812.79 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $684.54 | $834.78 | $1,450 | $7,500 |
| Gold Simple Oscar Health Maintenance Organization of Florida | Gold | HMO | $688.08 | $839.09 | $3,000 | $9,950 |
| Gold Classic Standard Oscar Health Maintenance Organization of Florida | Gold | HMO | $722.82 | $881.45 | $2,000 | $8,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $741.73 | $904.52 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $748.13 | $912.32 | $0 | $10,600 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $761.74 | $928.91 | $500 | $9,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $779.82 | $950.97 | $500 | $9,000 |
| myBlue Gold 2314S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $785.01 | $957.30 | $2,000 | $8,200 |
| myBlue Gold 1605 ($0 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | HMO | $798.39 | $973.61 | $940 | $4,500 |
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $808.22 | $985.59 | $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 | $826.76 | $1,008.20 | $0 | $6,550 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | EPO | $827.34 | $1,008.92 | $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 | $849.16 | $1,035.53 | $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 | $852.31 | $1,039.36 | $0 | $6,250 |
| BlueCare Gold 24K01-33S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $912.92 | $1,113.28 | $2,000 | $8,200 |
| BlueCare Gold 24K01-10 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Gold | POS | $935.40 | $1,140.69 | $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 | $968.24 | $1,180.73 | $0 | $6,250 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,210.80 | $1,476.52 | $2,000 | $8,200 |
| BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) Florida Blue (BlueCross BlueShield FL) | Gold | PPO | $1,239.56 | $1,511.61 | $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 | $1,273.24 | $1,552.67 | $0 | $6,250 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,058.70 | $1,291.05 | $1,000 | $4,000 |
| 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 | $1,069.78 | $1,304.56 | $0 | $2,250 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,088.07 | $1,326.86 | $0 | $2,525 |
| myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | HMO | $1,120.63 | $1,366.57 | $0 | $5,200 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | EPO | $1,133.94 | $1,382.80 | $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 | $1,142.42 | $1,393.15 | $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 | $1,185.91 | $1,446.17 | $0 | $2,525 |
| BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue HMO (a BlueCross BlueShield FL company) | Platinum | POS | $1,242.80 | $1,515.55 | $0 | $5,200 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,608.04 | $1,960.95 | $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 | $1,654.35 | $2,017.43 | $0 | $2,525 |
| BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) Florida Blue (BlueCross BlueShield FL) | Platinum | PPO | $1,723.81 | $2,102.13 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $451/mo | $367 | $695 | 62 | 6 |
| 2023 | $485/mo | $394 | $744 | 53 | 6 |
| 2024 | $512/mo | $415 | $831 | 37 | 6 |
| 2025 | $539/mo | $453 | $898 | 44 | 6 |
| 2026 | $728/mo | $605 | $1,245 | 45 | 5 |
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
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Florida
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Santa Rosa, FL?
There are 123 ACA marketplace plans available in Santa Rosa from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Santa Rosa?
The lowest-premium plan in Santa Rosa starts at $473/mo (Bronze tier, age 27). Silver plans start at $605/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Santa Rosa?
The benchmark (second-lowest Silver) premium in Santa Rosa is $620/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 Santa Rosa?
Average premiums in Santa Rosa changed by +45.5% 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 Santa Rosa?
The average annual deductible across all plans in Santa Rosa is $5,076, and the average out-of-pocket maximum is $8,596. 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 Santa Rosa?
There are 5 insurance issuers offering ACA marketplace plans in Santa Rosa, including Florida Blue HMO (a BlueCross BlueShield FL company), Florida Blue (BlueCross BlueShield FL), 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
