- 10carriers selling 2026 marketplace plans in Seminole County
- 215plans on the Seminole shelf, from 72 bronze to 53 gold
- $699benchmark 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 ten (tied with Orange County and Broward County). The biggest lineup in Seminole belongs to Florida Blue with 68 plans, about 32 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 |
| Florida Health Care Plans | 23 | 8 | 8 | 7 | 0 | HMO 12, POS 11 |
| 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 |
| 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 |
Seminole plan counts from the CMS 2026 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.
Leaving Seminole County for 2027
Cigna sells 8 of the 215 plans in Seminole 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 Seminole lineup: Florida Blue, Ambetter Health, Florida Health Care Plans, Molina Healthcare, Oscar, UnitedHealthcare, AvMed, Wellpoint and AmeriHealth Caritas Next. If you are enrolled with Cigna in Seminole, 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 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 | $397 | $508 | $1,079 | $1,016 | $1,624 |
| Lowest silver | $542 | $693 | $1,471 | $1,386 | $2,215 |
| Benchmark silver (second lowest) | $547 | $699 | $1,485 | $1,398 | $2,235 |
| Lowest gold | $494 | $632 | $1,342 | $1,264 | $2,020 |
| Lowest platinum | $942 | $1,204 | $2,557 | $2,408 | $3,850 |
Benchmark silver is the second lowest of the 76 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, $632 a month, is $61 cheaper than the cheapest silver plan at $693. 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 $3,000.
In Seminole County the benchmark is $191 above the cheapest bronze at age 40, and 31 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 $699 benchmark minus what the government expects you to pay from your income. A 40 year old in Seminole whose expected share is $191 a month or less would pay nothing for the cheapest bronze. At 60 the Seminole gap grows to $406 and at 21 it shrinks to $150, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Orange County, the Seminole benchmark is $19 higher at 40 and the cheapest bronze is $7 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 | 1 | 0 | |
| Bronze | 7 | 0 | $6,150 to $10,600 |
| Expanded Bronze | 65 | 19 | $0 to $10,150 |
| Silver | 76 | 2 | $0 to $9,500 |
| Gold | 53 | 9 | $0 to $3,000 |
| Platinum | 13 | 11 | |
| Total | 215 | 41 |
By network type the 215 Seminole plans break down as 153 HMO, 27 EPO, 21 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 Seminole shelf to one company. 41 plans in Seminole have a $0 medical deductible (19 expanded bronze, 11 platinum, 9 gold and 2 silver). 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 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 $699 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 2026 plans and prices for Seminole County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Seminole 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 Seminole County coverage
How many health insurance companies sell marketplace plans in Seminole County, Florida?
For 2026, ten carriers sell individual marketplace plans in Seminole County: Florida Blue, Ambetter Health, Florida Health Care Plans, Molina Healthcare, Oscar, UnitedHealthcare, AvMed, Wellpoint, AmeriHealth Caritas Next and Cigna. Together they offer 215 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 $397 a month for a 21 year old, $508 at 40 and $1,079 at 60. In Seminole a couple both aged 40 pays $1,016 for the cheapest bronze, and two 40 year olds with two children pay $1,624. Catastrophic plans in Seminole, open only to people under 30 or with a hardship exemption, start at $435 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $699 a month for a 40 year old in Seminole County before subsidies. In Seminole it is $547 at age 21 and $1,485 at age 60, and the lowest silver plan is $693 at 40.
Which insurance companies are leaving Seminole 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 Seminole County. Nine carriers from the 2026 Seminole lineup remain: Florida Blue, Ambetter Health, Florida Health Care Plans, Molina Healthcare, Oscar, UnitedHealthcare, 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 Seminole County?
Yes to both. 14 of the 215 plans in Seminole are PPOs, all from Florida Blue, and 41 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Seminole is $632 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 2026 (public use file), Seminole 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