- 8carriers selling 2027 marketplace plans in Seminole County
- 204plans on the Seminole shelf, from 68 bronze to 50 gold
- $741benchmark silver for a 40 year old in Seminole, full price per month
Who sells marketplace plans in Seminole County
No Florida county on my list has more carriers than Seminole County, with eight (tied with Orange County and Broward County). The biggest lineup in Seminole belongs to Florida Blue with 71 plans, about 35 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 |
| Florida Health Care Plans | 25 | 8 | 8 | 7 | 0 | HMO 13, POS 12 |
| 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 | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| AmeriHealth Caritas Next | 8 | 3 | 2 | 3 | 0 | HMO 8 |
Seminole plan counts from the CMS 2027 landscape file (county FIPS 12117, Rating Area 57). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Seminole County for 2027
Molina Healthcare and Cigna together sold 27 of the 215 plans in Seminole 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. Seminole now has eight carriers and 204 plans, against ten carriers and 215 plans in 2026.
What it costs in Seminole County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Seminole 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 Seminole 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 | $433 | $553 | $1,174 | $1,106 | $1,768 |
| Lowest silver | $579 | $739 | $1,570 | $1,479 | $2,364 |
| Benchmark silver (second lowest) | $580 | $741 | $1,573 | $1,481 | $2,368 |
| Lowest gold | $536 | $685 | $1,455 | $1,370 | $2,191 |
| Lowest platinum | $1,003 | $1,282 | $2,722 | $2,563 | $4,098 |
Benchmark silver is the second lowest of the 71 silver premiums listed for Seminole. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Seminole County
The gold row is the surprise in Seminole County. The cheapest gold plan for a 40 year old, $685 a month, is $54 cheaper than the cheapest silver plan at $739. 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 Seminole shelf, and a gold deductible here tops out at $2,800.
In Seminole County the benchmark is $188 above the cheapest bronze at age 40, and 38 of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $741 benchmark minus what the government expects you to pay from your income. A 40 year old in Seminole whose expected share is $188 a month or less would pay nothing for the cheapest bronze. At 60 the Seminole gap grows to $399 and at 21 it shrinks to $147, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Orange County, the Seminole benchmark is $23 higher at 40 and the cheapest bronze is $16 higher. Florida Health Care Plans sells in Seminole and not in Orange County. Health First sells in Orange County and not in Seminole.
Seminole plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 4 | 0 | |
| Bronze | 3 | 0 | $11,750 to $12,000 |
| Expanded Bronze | 65 | 16 | $0 to $12,000 |
| Silver | 71 | 4 | $0 to $11,925 |
| Gold | 50 | 8 | $0 to $2,800 |
| Platinum | 11 | 9 | |
| Total | 204 | 37 |
By network type the 204 Seminole plans break down as 148 HMO, 23 POS, 19 EPO 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 Seminole shelf to one company. 37 plans in Seminole have a $0 medical deductible (16 expanded bronze, 9 platinum, 8 gold and 4 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 Seminole price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Seminole the premium tax credit is measured against the $741 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Seminole numbers for you.
2027 plans for Seminole County
These are the 2027 plans and prices for Seminole 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 Seminole plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Seminole County coverage
How many health insurance companies sell marketplace plans in Seminole County, Florida?
For 2027, eight carriers sell individual marketplace plans in Seminole County: Florida Blue, Oscar, Florida Health Care Plans, Ambetter Health, UnitedHealthcare, Wellpoint, AvMed and AmeriHealth Caritas Next. Together they offer 204 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Seminole County?
At full price before any subsidy, the cheapest bronze plan in Seminole County is $433 a month for a 21 year old, $553 at 40 and $1,174 at 60. In Seminole a couple both aged 40 pays $1,106 for the cheapest bronze, and two 40 year olds with two children pay $1,768. Catastrophic plans in Seminole, open only to people under 30 or with a hardship exemption, start at $354 at age 21. Most people in Seminole who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Seminole County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $741 a month for a 40 year old in Seminole County before subsidies. In Seminole it is $580 at age 21 and $1,573 at age 60, and the lowest silver plan is $739 at 40.
Which insurance companies left Seminole County for 2027?
Molina Healthcare and Cigna sold 27 plans in Seminole County in 2026 and have no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Florida Blue, Oscar, Florida Health Care Plans, Ambetter Health, UnitedHealthcare, Wellpoint, AvMed and AmeriHealth Caritas Next. No new carrier entered for 2027.
Can I get a PPO or a $0 deductible plan in Seminole County?
Yes to both. 14 of the 204 plans in Seminole are PPOs, all from Florida Blue, and 37 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Seminole is $685 a month before subsidies.
More for Seminole County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How Seminole compares with the other 78 counties and parishes I track
- Estimate a Seminole subsidy
Get your Seminole County quote
Send me your ZIP and who needs coverage and I will compare every Seminole 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), Seminole County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines