- 10carriers selling 2026 marketplace plans in Orange County
- 208plans on the Orange shelf, from 69 bronze to 51 gold
- $680benchmark silver for a 40 year old in Orange, full price per month
Who sells marketplace plans in Orange County
No Florida county on my list has more carriers than Orange County, with ten (tied with Broward County and Seminole County). The biggest lineup in Orange belongs to Florida Blue with 68 plans, about 33 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Platinum | Network types |
|---|---|---|---|---|---|---|
| Florida BlueFlorida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) | 68 | 23 | 23 | 12 | 10 | EPO 19, HMO 25, POS 10, PPO 14 |
| Ambetter Health | 26 | 8 | 10 | 8 | 0 | HMO 26 |
| Molina Healthcare | 19 | 7 | 5 | 7 | 0 | HMO 19 |
| OscarOscar Health Maintenance Organization of Florida | 19 | 7 | 8 | 4 | 0 | HMO 19 |
| UnitedHealthcare | 17 | 6 | 7 | 4 | 0 | HMO 17 |
| Health FirstHealth First Commercial Plans, Inc. | 16 | 5 | 5 | 5 | 0 | HMO 16 |
| AvMed | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| Wellpoint | 13 | 4 | 4 | 4 | 0 | HMO 13 |
| AmeriHealth Caritas Next | 8 | 3 | 3 | 2 | 0 | HMO 8 |
| CignaCigna Healthcare Leaving for 2027 | 8 | 3 | 3 | 2 | 0 | EPO 8 |
Orange plan counts from the CMS 2026 landscape file (county FIPS 12095, Rating Area 48). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
Leaving Orange County for 2027
Cigna sells 8 of the 208 plans in Orange 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, nine carriers are left from the 2026 Orange lineup: Florida Blue, Ambetter Health, Molina Healthcare, Oscar, UnitedHealthcare, Health First, AvMed, Wellpoint and AmeriHealth Caritas Next. If you are enrolled with Cigna in Orange, 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 Orange County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Orange 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 Orange 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 | $392 | $501 | $1,065 | $1,003 | $1,603 |
| Lowest silver | $529 | $676 | $1,435 | $1,352 | $2,161 |
| Benchmark silver (second lowest) | $532 | $680 | $1,444 | $1,360 | $2,174 |
| Lowest gold | $488 | $624 | $1,325 | $1,248 | $1,994 |
| Lowest platinum | $851 | $1,087 | $2,308 | $2,174 | $3,475 |
Benchmark silver is the second lowest of the 73 silver premiums listed for Orange. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Orange County
The gold row is the surprise in Orange County. The cheapest gold plan for a 40 year old, $624 a month, is $52 cheaper than the cheapest silver plan at $676. That happens because Florida carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Orange shelf, and a gold deductible here tops out at $3,050.
In Orange County the benchmark is $179 above the cheapest bronze at age 40, and 35 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 $680 benchmark minus what the government expects you to pay from your income. A 40 year old in Orange whose expected share is $179 a month or less would pay nothing for the cheapest bronze. At 60 the Orange gap grows to $379 and at 21 it shrinks to $140, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Polk County, the Orange benchmark is $19 higher at 40 and the cheapest bronze is $8 lower. AmeriHealth Caritas Next, AvMed, Cigna and Health First sell in Orange and not in Polk County.
Orange plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 7 | 0 | $6,150 to $10,600 |
| Expanded Bronze | 62 | 19 | $0 to $10,150 |
| Silver | 73 | 0 | $400 to $9,500 |
| Gold | 51 | 7 | $0 to $3,050 |
| Platinum | 13 | 11 | |
| Total | 208 | 37 |
By network type the 208 Orange plans break down as 157 HMO, 27 EPO, 14 PPO and 10 POS. 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 Orange shelf to one company. 37 plans in Orange have a $0 medical deductible (19 expanded bronze, 11 platinum and 7 gold). The 19 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 Orange price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Orange the premium tax credit is measured against the $680 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Orange numbers for you.
2027 plans for Orange County
These are the 2026 plans and prices for Orange County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Orange 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 Orange County coverage
How many health insurance companies sell marketplace plans in Orange County, Florida?
For 2026, ten carriers sell individual marketplace plans in Orange County: Florida Blue, Ambetter Health, Molina Healthcare, Oscar, UnitedHealthcare, Health First, AvMed, Wellpoint, AmeriHealth Caritas Next and Cigna. Together they offer 208 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Orange County?
At full price before any subsidy, the cheapest bronze plan in Orange County is $392 a month for a 21 year old, $501 at 40 and $1,065 at 60. In Orange a couple both aged 40 pays $1,003 for the cheapest bronze, and two 40 year olds with two children pay $1,603. Catastrophic plans in Orange, open only to people under 30 or with a hardship exemption, start at $258 at age 21. Most people in Orange who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Orange County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $680 a month for a 40 year old in Orange County before subsidies. In Orange it is $532 at age 21 and $1,444 at age 60, and the lowest silver plan is $676 at 40.
Which insurance companies are leaving Orange 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 8 plans in Orange County. Nine carriers from the 2026 Orange lineup remain: Florida Blue, Ambetter Health, Molina Healthcare, Oscar, UnitedHealthcare, Health First, AvMed, Wellpoint and AmeriHealth Caritas Next. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO or a $0 deductible plan in Orange County?
Yes to both. 14 of the 208 plans in Orange are PPOs, all from Florida Blue, and 37 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Orange is $624 a month before subsidies.
More for Orange County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Orange compares with the other 78 counties and parishes I track
- Estimate an Orange subsidy
Get your Orange County quote
Send me your ZIP and who needs coverage and I will compare every Orange 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), Orange 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