- 6carriers selling 2026 marketplace plans in Collier County
- 131plans on the Collier shelf, from 44 bronze to 33 gold
- $730benchmark silver for a 40 year old in Collier, full price per month
Who sells marketplace plans in Collier County
Six companies sell in Collier, against ten in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 53 of the 131 plans in Collier, 40 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 53 | 17 | 19 | 9 | 8 | HMO 25, POS 14, PPO 14 |
| Ambetter Health | 19 | 6 | 7 | 6 | 0 | HMO 19 |
| Molina Healthcare | 19 | 7 | 5 | 7 | 0 | HMO 19 |
| UnitedHealthcare | 17 | 6 | 7 | 4 | 0 | HMO 17 |
| Wellpoint | 13 | 4 | 4 | 4 | 0 | HMO 13 |
| CignaCigna Healthcare Leaving for 2027 | 10 | 4 | 3 | 3 | 0 | EPO 10 |
Collier plan counts from the CMS 2026 landscape file (county FIPS 12021, Rating Area 11). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
Leaving Collier County for 2027
Cigna sells 10 of the 131 plans in Collier County this year. Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. After that exit, five carriers are left from the 2026 Collier lineup: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare and Wellpoint. If you are enrolled with Cigna in Collier, you will get a notice this fall. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions.
What it costs in Collier County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Collier plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Collier pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $445 | $569 | $1,209 | $1,138 | $1,820 |
| Lowest silver | $571 | $729 | $1,549 | $1,459 | $2,332 |
| Benchmark silver (second lowest) | $571 | $730 | $1,549 | $1,459 | $2,332 |
| Lowest gold | $578 | $738 | $1,568 | $1,477 | $2,361 |
| Lowest platinum | $1,007 | $1,286 | $2,732 | $2,573 | $4,113 |
Benchmark silver is the second lowest of the 45 silver premiums listed for Collier. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Collier County
Collier County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $738, which is $9 above the benchmark silver and $9 above the cheapest silver. In Collier the extra gold premium pays for a lower deductible rather than coming free.
In Collier County the benchmark is $160 above the cheapest bronze at age 40, and 26 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $730 benchmark minus what the government expects you to pay from your income. A 40 year old in Collier whose expected share is $160 a month or less would pay nothing for the cheapest bronze. At 60 the Collier gap grows to $341 and at 21 it shrinks to $125, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Lee County, the Collier benchmark is $12 higher at 40 and the cheapest bronze is $31 higher. Cigna and Molina Healthcare sell in Collier and not in Lee County. AvMed sells in Lee County and not in Collier.
Collier plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 1 | 0 | |
| Bronze | 5 | 0 | $6,150 to $10,600 |
| Expanded Bronze | 39 | 13 | $0 to $8,450 |
| Silver | 45 | 0 | $1,850 to $9,500 |
| Gold | 33 | 4 | $0 to $2,250 |
| Platinum | 8 | 6 | |
| Total | 131 | 23 |
By network type the 131 Collier plans break down as 93 HMO, 14 POS, 14 PPO and 10 EPO. Only 14 are PPOs, and every one of them comes from Florida Blue. If seeing specialists without a referral matters to you, that narrows the Collier shelf to one company. 23 plans in Collier have a $0 medical deductible (13 expanded bronze, 6 platinum and 4 gold). The 13 bronze ones among them still have out of pocket maximums of $9,900 to $10,600, so a $0 deductible does not mean a small bill.
Every Collier price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Collier the premium tax credit is measured against the $730 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Collier numbers for you.
2027 plans for Collier County
These are the 2026 plans and prices for Collier County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Collier numbers then. Open enrollment for 2027 coverage in Florida runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.
Questions about Collier County coverage
How many health insurance companies sell marketplace plans in Collier County, Florida?
For 2026, six carriers sell individual marketplace plans in Collier County: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare, Wellpoint and Cigna. Together they offer 131 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Collier County?
At full price before any subsidy, the cheapest bronze plan in Collier County is $445 a month for a 21 year old, $569 at 40 and $1,209 at 60. In Collier a couple both aged 40 pays $1,138 for the cheapest bronze, and two 40 year olds with two children pay $1,820. Catastrophic plans in Collier, open only to people under 30 or with a hardship exemption, start at $433 at age 21. Most people in Collier who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Collier County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $730 a month for a 40 year old in Collier County before subsidies. In Collier it is $571 at age 21 and $1,549 at age 60, and the lowest silver plan is $729 at 40.
Which insurance companies are leaving Collier County for 2027?
Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. In 2026 it sells 10 plans in Collier County. Five carriers from the 2026 Collier lineup remain: Florida Blue, Ambetter Health, Molina Healthcare, UnitedHealthcare and Wellpoint. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO or a $0 deductible plan in Collier County?
Yes to both. 14 of the 131 plans in Collier are PPOs, all from Florida Blue, and 23 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Collier is $738 a month before subsidies.
More for Collier County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Collier compares with the other 78 counties and parishes I track
- Estimate a Collier subsidy
Get your Collier County quote
Send me your ZIP and who needs coverage and I will compare every Collier plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2026 (public use file), Collier County rows
- HealthCare.gov, Health plan information for individuals and families
- STAT, Cigna to exit the ACA individual market in 2027
- healthinsurance.org, ACA open enrollment deadlines