Health insurance cost in Monroe County, FL (2026)
33 Marketplace plans from 1 insurance companies are sold in Monroe County in 2026. Here is what they cost by tier and age, what a tax credit does to the price, the cheapest plans by name, and what private plans run for healthy households.
Monthly premiums by tier and age
| Tier | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Bronze (12 plans) | $743–$1,087 | $843–$1,234 | $949–$1,389 | $1,326–$1,941 | $2,015–$2,950 |
| Silver (8 plans) | $995–$1,724 | $1,130–$1,957 | $1,272–$2,203 | $1,778–$3,079 | $2,701–$4,679 |
| Gold (7 plans) | $1,119–$1,763 | $1,270–$2,001 | $1,430–$2,254 | $1,999–$3,149 | $3,038–$4,786 |
| Platinum (6 plans) | $1,466–$2,387 | $1,664–$2,710 | $1,874–$3,051 | $2,619–$4,264 | $3,979–$6,479 |
Lowest to highest monthly premium among the plans sold in Monroe County, before any tax credit, from the CMS 2026 plan file (snapshot August 4, 2026).
Ranges at a glance (age 40)
Blue: Marketplace tiers, full price. Green: private plan range for a healthy 40-year-old man in Florida, after the advisors' usual adjustment.
What a tax credit does in Monroe County
| Household | % of poverty level | Estimated tax credit | Cheapest Bronze, full → after credit |
|---|---|---|---|
| A single 40-year-old earning $40,000 | 255% | $991/mo | $949 → $0 |
| A family of four (parents 40 and 38, two kids) earning $85,000 | 264% | $3,424/mo | $3,011 → $0 |
2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.
See your own numbers for Monroe County
Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.
Cheapest Marketplace plans in Monroe County
Priced for a 40-year-old, full price. Every plan, with deductibles and copays, is in the tool once you enter your household.
Cheapest Bronze plans
Cheapest Silver plans
Cheapest Gold plans
Private plans in Florida
| Age | Man, monthly range | Woman, monthly range |
|---|---|---|
| 30 | $63–$342 | $145–$450 |
| 40 | $137–$479 | $173–$531 |
| 50 | $272–$566 | $254–$553 |
| 60 | $440–$781 | $368–$704 |
A family of four (parents 40 and 38 with two children) is typically quoted $517 to $1,003 a month in Florida. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.
Questions people ask
What is the cheapest health insurance in Monroe County?
For a 40-year-old paying full price, the cheapest Marketplace plan in Monroe County is a Bronze plan at $949 a month (Florida Blue (BlueCross BlueShield FL)). With a tax credit it can be far less; see the examples above. Private plans for a healthy 40-year-old man start around $137 a month.
How many health insurance companies sell Marketplace plans in Monroe County?
1 in 2026: Florida Blue (BlueCross BlueShield FL). Between them they offer 33 plans (19 EPO · 14 PPO).
Do I qualify for a tax credit in Monroe County?
Marketplace premium tax credits apply when household income is between 100% and 400% of the federal poverty level, which for 2026 means up to $62,600 for one person or $128,600 for a family of four. Florida did not expand Medicaid, so credits start at 100% of the poverty level. Enter your income in the tool to see your estimate.
When can I enroll?
Marketplace Open Enrollment runs from November 1 to mid-January in most states, or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby. Private plans can be applied for any month of the year.
Nearby counties in Florida
- Miami-Dade County
- Broward County
- Palm Beach County
- Hillsborough County
- Orange County
- Duval County
- Pinellas County
- Lee County
Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.