- 8carriers selling 2027 marketplace plans in Orange County
- 195plans on the Orange shelf, from 65 bronze to 48 gold
- $718benchmark 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 eight (tied with Broward County and Seminole County). The biggest lineup in Orange belongs to Florida Blue with 71 plans, about 36 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) | 71 | 25 | 24 | 13 | 8 | EPO 19, HMO 27, POS 11, PPO 14 |
| OscarOscar Health Maintenance Organization of Florida | 36 | 13 | 14 | 9 | 0 | HMO 36 |
| Ambetter Health | 19 | 6 | 7 | 6 | 0 | HMO 19 |
| Health FirstHealth First Commercial Plans, Inc. | 16 | 5 | 5 | 5 | 0 | HMO 16 |
| UnitedHealthcare | 16 | 5 | 6 | 5 | 0 | HMO 16 |
| Wellpoint | 15 | 5 | 5 | 4 | 0 | HMO 15 |
| AvMed | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| AmeriHealth Caritas Next | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Orange plan counts from the CMS 2027 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.
What changed in Orange County for 2027
Molina Healthcare and Cigna together sold 27 of the 208 plans in Orange County in 2026 and have no plans here in the 2027 CMS file. If you were enrolled with either company, you should have a notice by now. 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. Orange now has eight carriers and 195 plans, against ten carriers and 208 plans in 2026.
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 | $420 | $537 | $1,140 | $1,074 | $1,717 |
| Lowest silver | $554 | $709 | $1,505 | $1,417 | $2,265 |
| Benchmark silver (second lowest) | $562 | $718 | $1,525 | $1,436 | $2,296 |
| Lowest gold | $521 | $666 | $1,413 | $1,331 | $2,128 |
| Lowest platinum | $905 | $1,157 | $2,457 | $2,314 | $3,699 |
Benchmark silver is the second lowest of the 68 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, $666 a month, is $43 cheaper than the cheapest silver plan at $709. 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 $181 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 $718 benchmark minus what the government expects you to pay from your income. A 40 year old in Orange whose expected share is $181 a month or less would pay nothing for the cheapest bronze. At 60 the Orange gap grows to $385 and at 21 it shrinks to $142, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Polk County, the Orange benchmark is $17 higher at 40 and the cheapest bronze is $2 higher. Health First sells in Orange and not in Polk County.
Orange plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 3 | 0 | |
| Bronze | 3 | 0 | $11,750 to $12,000 |
| Expanded Bronze | 62 | 16 | $0 to $10,150 |
| Silver | 68 | 2 | $0 to $11,925 |
| Gold | 48 | 8 | $0 to $3,050 |
| Platinum | 11 | 9 | |
| Total | 195 | 35 |
By network type the 195 Orange plans break down as 151 HMO, 19 EPO, 14 PPO and 11 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. 35 plans in Orange have a $0 medical deductible (16 expanded bronze, 9 platinum, 8 gold and 2 silver). The 16 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 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 $718 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 2027 plans and prices for Orange 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 Orange plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Orange County coverage
How many health insurance companies sell marketplace plans in Orange County, Florida?
For 2027, eight carriers sell individual marketplace plans in Orange County: Florida Blue, Oscar, Ambetter Health, Health First, UnitedHealthcare, Wellpoint, AvMed and AmeriHealth Caritas Next. Together they offer 195 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 $420 a month for a 21 year old, $537 at 40 and $1,140 at 60. In Orange a couple both aged 40 pays $1,074 for the cheapest bronze, and two 40 year olds with two children pay $1,717. Catastrophic plans in Orange, open only to people under 30 or with a hardship exemption, start at $331 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 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $718 a month for a 40 year old in Orange County before subsidies. In Orange it is $562 at age 21 and $1,525 at age 60, and the lowest silver plan is $709 at 40.
Which insurance companies left Orange County for 2027?
Molina Healthcare and Cigna sold 27 plans in Orange County in 2026 and have no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Florida Blue, Oscar, Ambetter Health, Health First, UnitedHealthcare, Wellpoint, AvMed and AmeriHealth Caritas Next. No new carrier entered for 2027.
Can I get a PPO or a $0 deductible plan in Orange County?
Yes to both. 14 of the 195 plans in Orange are PPOs, all from Florida Blue, and 35 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Orange is $666 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 2027 (public use file), Orange County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines