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Florida · 2026 plan year

Bronze health insurance plans in Florida (2026)

There are 125 Bronze plans on the Florida Marketplace from 14 insurers, and they are not interchangeable — premiums run from $334 to $730 a month for the same metal tier. Here is what separates them.

125
Bronze plans
14
Insurers
67
Counties covered
$334
Cheapest premium
$7,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

The priciest Bronze plan in Florida costs 2.2× the cheapest.

Bronze plans here run from $334 to $730 a month for the same actuarial tier. Metal level sets roughly what share of your care is covered, not what you pay for it — so the tier label alone tells you very little about which of these 125 plans is right for you.

Every Florida Bronze plan is HSA-eligible.

All 125 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, a median of $7,500 in this tier.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in Florida in 2026

Across all 125 Bronze plans in Florida, monthly premiums run from $334 to $730, averaging $449. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Florida enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in Florida

Bronze deductibles in Florida run from $2,350 to $10,600, with a median of $7,500 across the 94 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,217 because the spread is not symmetric. The other 31 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in Florida

Individual out-of-pocket maximums on Florida Bronze plans run from $7,400 to $10,600, with a median of $10,150. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in Florida

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Gym Access IND Bronze HMO 1340Florida Health Care Plans$334$10,150$10,150
Everyday BronzeAmbetter Health$342$8,450$10,150
Standard Expanded BronzeAmbetter Health$343$7,500$10,000
Bronze Value 1814 (High Value Network Savings, Open Access)Health First Commercial Plans, Inc.$348$9,800$10,000
Everyday Bronze + Vision + Adult DentalAmbetter Health$351$8,450$10,150

Showing 5 of 125. See all Florida Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
Florida Blue HMO (a BlueCross BlueShield FL company)23$382$514$2,350–$10,125
AvMed15$431$469$6,500–$10,150
Ambetter Health14$342$445$7,500–$8,450
Oscar Health Maintenance Organization of Florida13$370$402$4,700–$9,000
Florida Blue (BlueCross BlueShield FL)12$389$467$6,150–$7,500
Cigna Healthcare10$407$453$5,500–$7,500
Florida Health Care Plans8$334$408$5,500–$10,150
Health First Commercial Plans, Inc.7$348$378$7,500–$9,800
Molina Healthcare7$412$442$3,500–$7,500
UnitedHealthcare6$421$445$7,500–$10,600
Wellpoint4$395$402$5,500–$7,500
AmeriHealth Caritas Next3$400$401$3,850–$10,600
Capital Health Plan2$359$366$7,500–$8,000
22 Health1$416$416$7,500
Other tiers in Florida

How Bronze compares to the rest

Bronze
Avg $449 · from $334
125 plans · you are here
Silver
Avg $568 · from $434
161 plans
Gold
Avg $603 · from $426
97 plans

All FloridaMarketplace plans →

Nearby on price

States with similar Bronze premiums

Oklahoma
Avg $448
58 Bronze plans
Arizona
Avg $462
65 Bronze plans
Delaware
Avg $463
13 Bronze plans
Common questions

Florida Bronze plans, answered

What are the copays on Florida Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 125 Bronze plans in Florida, out-of-pocket maximums run $7,400 to $10,600, and deductibles on the 94 plans with one combined deductible run $2,350 to $10,600. The other 31 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Florida?
Any Florida Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on Florida Bronze plans?
Bronze deductibles in Florida run from $2,350 to $10,600 across the 94 plans with one combined deductible, with a median of $7,500 — that median is the figure closest to a typical plan. The other 31 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,400 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Florida county?
Bronze plans are sold in 67 Florida counties, from 14 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Florida?
Florida uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Florida start at $334 a month before any subsidy.

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