Health insurance cost in Orange County, FL (2026)

208 Marketplace plans from 11 insurance companies are sold in Orange 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.

Cheapest Bronze, age 40

$501/mo

full price, before any credit

Silver benchmark, age 40

$680/mo

the plan tax credits are based on

Plans

208

157 HMO · 27 EPO · 14 PPO · 10 POS

Insurers

selling in this county

Deductibles

$0 to $10,600

individual, standard plans

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze (69 plans)	$392–$889	$445–$1,008	$501–$1,136	$701–$1,587	$1,065–$2,411
Silver (73 plans)	$529–$1,409	$600–$1,600	$676–$1,801	$944–$2,517	$1,435–$3,825
Gold (51 plans)	$488–$1,442	$554–$1,636	$624–$1,842	$872–$2,575	$1,325–$3,912
Platinum (13 plans)	$851–$1,952	$965–$2,215	$1,087–$2,494	$1,519–$3,486	$2,308–$5,297

Lowest to highest monthly premium among the plans sold in Orange 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 Orange County

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$393/mo	$501 → $108
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$1,529/mo	$1,591 → $62

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 Orange 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.

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Cheapest Marketplace plans in Orange 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

Bronze Simple Breathe Easy with Enhanced COPD BenefitsOscar Health Maintenance Organization of Florida · HMO$501/mo at 40 · deductible $9,000 · max out-of-pocket $10,600

Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access)Health First Commercial Plans, Inc. · HMO$519/mo at 40 · deductible $9,800 · max out-of-pocket $10,150

myBlue Bronze 26M01-23 (Rewards)Florida Blue HMO (a BlueCross BlueShield FL company) · HMO$527/mo at 40 · deductible $10,125 · max out-of-pocket $10,150

Cheapest Silver plans

Clarity SilverAmbetter Health · HMO$676/mo at 40 · deductible $8,000 · max out-of-pocket $8,400

Silver Savings 1821 (Primary Care Copay, Open Access)Health First Commercial Plans, Inc. · HMO$680/mo at 40 · deductible $4,500 · max out-of-pocket $8,000

myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers /Florida Blue HMO (a BlueCross BlueShield FL company) · HMO$682/mo at 40 · deductible $9,500 · max out-of-pocket $10,025

Cheapest Gold plans

Gold Simple | with AdventHealthOscar Health Maintenance Organization of Florida · HMO$624/mo at 40 · deductible $3,000 · max out-of-pocket $9,950

Gold Elite Saver Plus | with AdventHealthOscar Health Maintenance Organization of Florida · HMO$626/mo at 40 · deductible $0 · max out-of-pocket $9,500

Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Health First Commercial Plans, Inc. · HMO$646/mo at 40 · deductible $3,050 · max out-of-pocket $8,100

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 Orange County?

For a 40-year-old paying full price, the cheapest Marketplace plan in Orange County is a Bronze plan at $501 a month (Oscar Health Maintenance Organization of Florida). 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 Orange County?

11 in 2026: Ambetter Health, AmeriHealth Caritas Next, AvMed, Cigna Healthcare, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Health First Commercial Plans, Inc., Molina Healthcare, Oscar Health Maintenance Organization of Florida, UnitedHealthcare, Wellpoint. Between them they offer 208 plans (157 HMO · 27 EPO · 14 PPO · 10 POS).

Do I qualify for a tax credit in Orange 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

All Florida counties →

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.