- 5carriers selling 2027 marketplace plans in Sarasota County
- 136plans on the Sarasota shelf, from 47 bronze to 31 gold
- $730benchmark silver for a 40 year old in Sarasota, full price per month
Who sells marketplace plans in Sarasota County
Five companies sell in Sarasota, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 74 of the 136 plans in Sarasota, 54 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 |
| Wellpoint | 15 | 5 | 5 | 4 | 0 | HMO 15 |
| AmeriHealth Caritas Next New for 2027 | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Sarasota plan counts from the CMS 2027 landscape file (county FIPS 12115, Rating Area 56). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Sarasota County for 2027
New in Sarasota for 2027: AmeriHealth Caritas Next. Sarasota now has five carriers and 136 plans, against four carriers and 119 plans in 2026.
What it costs in Sarasota County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Sarasota 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 Sarasota 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 | $430 | $549 | $1,167 | $1,099 | $1,756 |
| Lowest silver | $570 | $729 | $1,547 | $1,457 | $2,330 |
| Benchmark silver (second lowest) | $571 | $730 | $1,549 | $1,459 | $2,333 |
| Lowest gold | $593 | $758 | $1,610 | $1,517 | $2,424 |
| Lowest platinum | $1,174 | $1,500 | $3,185 | $3,000 | $4,796 |
Benchmark silver is the second lowest of the 47 silver premiums listed for Sarasota. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Sarasota County
Sarasota 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 $758, which is $29 above the benchmark silver and $30 above the cheapest silver. In Sarasota the extra gold premium pays for a lower deductible rather than coming free.
In Sarasota County the benchmark is $180 above the cheapest bronze at age 40, and 34 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 Sarasota whose expected share is $180 a month or less would pay nothing for the cheapest bronze. At 60 the Sarasota gap grows to $383 and at 21 it shrinks to $141, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Manatee County, the Sarasota benchmark is $18 higher at 40 and the cheapest bronze is $9 higher. UnitedHealthcare sells in Manatee County and not in Sarasota.
Sarasota plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 2 | 0 | |
| Bronze | 2 | 0 | $11,975 to $12,000 |
| Expanded Bronze | 45 | 12 | $0 to $10,000 |
| Silver | 47 | 0 | $1,850 to $11,925 |
| Gold | 31 | 6 | $0 to $2,500 |
| Platinum | 9 | 6 | |
| Total | 136 | 24 |
By network type the 136 Sarasota plans break down as 89 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 Sarasota shelf to one company. 24 plans in Sarasota have a $0 medical deductible (12 expanded bronze, 6 platinum and 6 gold). The 12 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 Sarasota price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Sarasota the premium tax credit is measured against the $730 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Sarasota numbers for you.
2027 plans for Sarasota County
These are the 2027 plans and prices for Sarasota 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 Sarasota plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Sarasota County coverage
How many health insurance companies sell marketplace plans in Sarasota County, Florida?
For 2027, five carriers sell individual marketplace plans in Sarasota County: Florida Blue, Oscar, Ambetter Health, Wellpoint and AmeriHealth Caritas Next. Together they offer 136 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Sarasota County?
At full price before any subsidy, the cheapest bronze plan in Sarasota County is $430 a month for a 21 year old, $549 at 40 and $1,167 at 60. In Sarasota a couple both aged 40 pays $1,099 for the cheapest bronze, and two 40 year olds with two children pay $1,756. Catastrophic plans in Sarasota, open only to people under 30 or with a hardship exemption, start at $344 at age 21. Most people in Sarasota who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Sarasota County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $730 a month for a 40 year old in Sarasota County before subsidies. In Sarasota it is $571 at age 21 and $1,549 at age 60, and the lowest silver plan is $729 at 40.
Did any insurance company leave Sarasota County for 2027?
No. Every carrier that sold plans in Sarasota 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 Sarasota County?
Yes to both. 14 of the 136 plans in Sarasota are PPOs, all from Florida Blue, and 24 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Sarasota is $758 a month before subsidies.
More for Sarasota County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Sarasota compares with the other 78 counties and parishes I track
- Estimate a Sarasota subsidy
Get your Sarasota County quote
Send me your ZIP and who needs coverage and I will compare every Sarasota 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), Sarasota County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines