- 7carriers selling 2027 marketplace plans in Polk County
- 182plans on the Polk shelf, from 60 bronze to 44 gold
- $701benchmark silver for a 40 year old in Polk, full price per month
Who sells marketplace plans in Polk County
Seven companies sell in Polk, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 74 of the 182 plans in Polk, 41 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 | 36 | 13 | 14 | 9 | 0 | HMO 36 |
| 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 |
| AvMed New for 2027 | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| AmeriHealth Caritas Next New for 2027 | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Polk plan counts from the CMS 2027 landscape file (county FIPS 12105, Rating Area 53). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Polk County for 2027
Molina Healthcare sold 19 of the 159 plans in Polk County in 2026 and has no plans here in the 2027 CMS file. If you were enrolled with Molina Healthcare, 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. New in Polk for 2027: AvMed and AmeriHealth Caritas Next. Polk now has seven carriers and 182 plans, against six carriers and 159 plans in 2026.
What it costs in Polk County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Polk 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 Polk 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 | $419 | $535 | $1,136 | $1,070 | $1,711 |
| Lowest silver | $521 | $666 | $1,415 | $1,333 | $2,131 |
| Benchmark silver (second lowest) | $549 | $701 | $1,490 | $1,403 | $2,243 |
| Lowest gold | $575 | $735 | $1,560 | $1,469 | $2,349 |
| Lowest platinum | $815 | $1,041 | $2,212 | $2,083 | $3,330 |
Benchmark silver is the second lowest of the 64 silver premiums listed for Polk. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Polk County
Polk 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 $735, which is $33 above the benchmark silver and $68 above the cheapest silver. In Polk the extra gold premium pays for a lower deductible rather than coming free.
In Polk County the benchmark is $166 above the cheapest bronze at age 40, and 23 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 $701 benchmark minus what the government expects you to pay from your income. A 40 year old in Polk whose expected share is $166 a month or less would pay nothing for the cheapest bronze. At 60 the Polk gap grows to $353 and at 21 it shrinks to $130, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Hillsborough County, the Polk benchmark is $14 higher at 40 and the cheapest bronze is $21 higher. The same seven carriers sell in Polk and Hillsborough, so if you move or work across the line your choice of company does not change, only the price.
Polk 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 | 57 | 14 | $0 to $10,150 |
| Silver | 64 | 2 | $0 to $11,925 |
| Gold | 44 | 8 | $0 to $2,750 |
| Platinum | 12 | 9 | |
| Total | 182 | 33 |
By network type the 182 Polk plans break down as 135 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 Polk shelf to one company. 33 plans in Polk have a $0 medical deductible (14 expanded bronze, 9 platinum, 8 gold 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 Polk price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Polk the premium tax credit is measured against the $701 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Polk numbers for you.
2027 plans for Polk County
These are the 2027 plans and prices for Polk 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 Polk plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Polk County coverage
How many health insurance companies sell marketplace plans in Polk County, Florida?
For 2027, seven carriers sell individual marketplace plans in Polk County: Florida Blue, Oscar, Ambetter Health, UnitedHealthcare, Wellpoint, AvMed and AmeriHealth Caritas Next. Together they offer 182 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Polk County?
At full price before any subsidy, the cheapest bronze plan in Polk County is $419 a month for a 21 year old, $535 at 40 and $1,136 at 60. In Polk a couple both aged 40 pays $1,070 for the cheapest bronze, and two 40 year olds with two children pay $1,711. Catastrophic plans in Polk, open only to people under 30 or with a hardship exemption, start at $335 at age 21. Most people in Polk who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Polk County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $701 a month for a 40 year old in Polk County before subsidies. In Polk it is $549 at age 21 and $1,490 at age 60, and the lowest silver plan is $666 at 40.
Which insurance companies left Polk County for 2027?
Molina Healthcare sold 19 plans in Polk County in 2026 and has no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Florida Blue, Oscar, Ambetter Health, UnitedHealthcare and Wellpoint. New for 2027: AvMed and AmeriHealth Caritas Next.
Can I get a PPO or a $0 deductible plan in Polk County?
Yes to both. 14 of the 182 plans in Polk are PPOs, all from Florida Blue, and 33 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Polk is $735 a month before subsidies.
More for Polk County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Polk compares with the other 78 counties and parishes I track
- Estimate a Polk subsidy
Get your Polk County quote
Send me your ZIP and who needs coverage and I will compare every Polk 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), Polk County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines