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Florida · 2026 plan year

Gold health insurance plans in Florida (2026)

There are 97 Gold plans on the Florida Marketplace from 15 insurers, and they are not interchangeable — premiums run from $426 to $1,062 a month for the same metal tier. Here is what separates them.

97
Gold plans
15
Insurers
67
Counties covered
$426
Cheapest premium
$2,000
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 Gold plan in Florida costs 2.5× the cheapest.

Gold plans here run from $426 to $1,062 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 97 plans is right for you.

Florida Gold premiums rank 27th cheapest of 35.

Averaged across all 97 plans, Gold coverage in Florida costs $603 a month before subsidies — 27th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

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 Gold plan costs in Florida in 2026

Across all 97 Gold plans in Florida, monthly premiums run from $426 to $1,062, averaging $603. 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

Gold plan deductibles in Florida

Gold deductibles in Florida run from $0 to $3,000, with a median of $2,000 across the 84 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 $1,515 because the spread is not symmetric. Some Florida Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 13 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

Gold out-of-pocket maximums in Florida

Individual out-of-pocket maximums on Florida Gold plans run from $4,500 to $10,600, with a median of $8,200. 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 Gold plans in Florida

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)Health First Commercial Plans, Inc.$426$2,200 medical + $400 Rx (separate)$7,950
Gold Value 1819 + Enhanced Diabetes Benefits ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)Health First Commercial Plans, Inc.$427$2,200 medical + $400 Rx (separate)$7,950
Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access)Health First Commercial Plans, Inc.$440$3,050 medical + $400 Rx (separate)$8,100
Gold Value 1819 + Adult Dental + Adult Vision ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)Health First Commercial Plans, Inc.$446$2,200 medical + $400 Rx (separate)$7,950
Standard GoldAmbetter Health$453$2,000$8,200

Showing 5 of 97. See all Florida Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
AvMed15$588$640$2,000
Ambetter Health14$453$575$800–$2,000
Florida Blue HMO (a BlueCross BlueShield FL company)11$635$772$0–$2,000
Health First Commercial Plans, Inc.8$426$454$2,000
Cigna Healthcare7$527$587$850–$2,250
Florida Blue (BlueCross BlueShield FL)7$586$731$0–$2,000
Florida Health Care Plans7$502$569$0–$2,550
Molina Healthcare7$551$560$895–$2,000
Oscar Health Maintenance Organization of Florida6$460$477$2,000–$3,000
UnitedHealthcare4$638$651$500–$2,000
Wellpoint4$559$567$800–$2,000
AmeriHealth Caritas Next2$585$594$850–$2,000
Capital Health Plan2$483$506$0–$2,000
Cigna HealthCare of Florida, Inc.2$524$531$1,850–$2,000
22 Health1$565$565$2,000
Other tiers in Florida

How Gold compares to the rest

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

All FloridaMarketplace plans →

Nearby on price

States with similar Gold premiums

Oklahoma
Avg $598
52 Gold plans
Delaware
Avg $605
14 Gold plans
Nebraska
Avg $688
50 Gold plans
Common questions

Florida Gold plans, answered

What are the copays on Florida Gold 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 97 Gold plans in Florida, out-of-pocket maximums run $4,500 to $10,600, and deductibles on the 84 plans with one combined deductible run $0 to $3,000. The other 13 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 Gold plan in Florida?
Any Florida Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $2,000 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on Florida Gold plans?
Gold deductibles in Florida run from $0 to $3,000 across the 84 plans with one combined deductible, with a median of $2,000 — that median is the figure closest to a typical plan. The other 13 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $4,500 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 Gold plans available in my Florida county?
Gold plans are sold in 67 Florida counties, from 15 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 Gold premiums in Florida start at $426 a month before any subsidy.

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