- 6carriers selling 2027 marketplace plans in Manatee County
- 152plans on the Manatee shelf, from 52 bronze to 36 gold
- $711benchmark silver for a 40 year old in Manatee, full price per month
Who sells marketplace plans in Manatee County
Six companies sell in Manatee, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 74 of the 152 plans in Manatee, 49 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) | 74 | 25 | 25 | 14 | 9 | EPO 19, HMO 27, POS 14, PPO 14 |
| OscarOscar Health Maintenance Organization of Florida | 20 | 8 | 8 | 4 | 0 | HMO 20 |
| Ambetter Health | 19 | 6 | 7 | 6 | 0 | HMO 19 |
| UnitedHealthcare | 16 | 5 | 6 | 5 | 0 | HMO 16 |
| Wellpoint | 15 | 5 | 5 | 4 | 0 | HMO 15 |
| AmeriHealth Caritas Next New for 2027 | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Manatee plan counts from the CMS 2027 landscape file (county FIPS 12081, Rating Area 40). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Manatee County for 2027
New in Manatee for 2027: AmeriHealth Caritas Next. Manatee now has six carriers and 152 plans, against five carriers and 136 plans in 2026.
What it costs in Manatee County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Manatee 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 Manatee 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 | $423 | $540 | $1,147 | $1,080 | $1,726 |
| Lowest silver | $527 | $673 | $1,430 | $1,347 | $2,153 |
| Benchmark silver (second lowest) | $557 | $711 | $1,510 | $1,422 | $2,274 |
| Lowest gold | $564 | $721 | $1,531 | $1,442 | $2,306 |
| Lowest platinum | $1,330 | $1,700 | $3,611 | $3,400 | $5,436 |
Benchmark silver is the second lowest of the 53 silver premiums listed for Manatee. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Manatee County
Manatee 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 $721, which is $10 above the benchmark silver and $48 above the cheapest silver. In Manatee the extra gold premium pays for a lower deductible rather than coming free.
In Manatee County the benchmark is $171 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 $711 benchmark minus what the government expects you to pay from your income. A 40 year old in Manatee whose expected share is $171 a month or less would pay nothing for the cheapest bronze. At 60 the Manatee gap grows to $364 and at 21 it shrinks to $134, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Sarasota County, the Manatee benchmark is $18 lower at 40 and the cheapest bronze is $9 lower. UnitedHealthcare sells in Manatee and not in Sarasota County.
Manatee plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 3 | 0 | $11,750 to $12,000 |
| Expanded Bronze | 49 | 14 | $0 to $10,000 |
| Silver | 53 | 2 | $0 to $11,925 |
| Gold | 36 | 8 | $0 to $2,500 |
| Platinum | 9 | 6 | |
| Total | 152 | 30 |
By network type the 152 Manatee plans break down as 105 HMO, 19 EPO, 14 POS and 14 PPO. 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 Manatee shelf to one company. 30 plans in Manatee have a $0 medical deductible (14 expanded bronze, 8 gold, 6 platinum and 2 silver). The 14 bronze ones among them still have out of pocket maximums of $11,800 to $12,000, so a $0 deductible does not mean a small bill.
Every Manatee price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Manatee the premium tax credit is measured against the $711 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Manatee numbers for you.
2027 plans for Manatee County
These are the 2027 plans and prices for Manatee County, from the CMS plan file released at the end of October 2026. 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. If you already have a Manatee plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Manatee County coverage
How many health insurance companies sell marketplace plans in Manatee County, Florida?
For 2027, six carriers sell individual marketplace plans in Manatee County: Florida Blue, Oscar, Ambetter Health, UnitedHealthcare, Wellpoint and AmeriHealth Caritas Next. Together they offer 152 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Manatee County?
At full price before any subsidy, the cheapest bronze plan in Manatee County is $423 a month for a 21 year old, $540 at 40 and $1,147 at 60. In Manatee a couple both aged 40 pays $1,080 for the cheapest bronze, and two 40 year olds with two children pay $1,726. Catastrophic plans in Manatee, open only to people under 30 or with a hardship exemption, start at $338 at age 21. Most people in Manatee who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Manatee County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $711 a month for a 40 year old in Manatee County before subsidies. In Manatee it is $557 at age 21 and $1,510 at age 60, and the lowest silver plan is $673 at 40.
Did any insurance company leave Manatee County for 2027?
No. Every carrier that sold plans in Manatee County in 2026 also has plans there in the 2027 CMS plan file. New for 2027: AmeriHealth Caritas Next. Plans and networks inside each company can still change, so read your renewal notice.
Can I get a PPO or a $0 deductible plan in Manatee County?
Yes to both. 14 of the 152 plans in Manatee are PPOs, all from Florida Blue, and 30 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Manatee is $721 a month before subsidies.
More for Manatee County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Manatee compares with the other 78 counties and parishes I track
- Estimate a Manatee subsidy
Get your Manatee County quote
Send me your ZIP and who needs coverage and I will compare every Manatee 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 2027 (public use file), Manatee County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines