- 5carriers selling 2026 marketplace plans in St. Lucie County
- 115plans on the St. Lucie shelf, from 37 bronze to 26 gold
- $784benchmark silver for a 40 year old in St. Lucie, full price per month
Who sells marketplace plans in St. Lucie County
Five companies sell in St. Lucie, against ten in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 53 of the 115 plans in St. Lucie, 46 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) | 53 | 17 | 19 | 9 | 8 | HMO 25, POS 14, PPO 14 |
| Ambetter Health | 19 | 6 | 7 | 6 | 0 | HMO 19 |
| CignaCigna HealthCare of Florida, Inc., Cigna Healthcare Leaving for 2027 | 15 | 4 | 6 | 5 | 0 | EPO 10, HMO 5 |
| OscarOscar Health Maintenance Organization of Florida | 15 | 6 | 7 | 2 | 0 | HMO 15 |
| Wellpoint | 13 | 4 | 4 | 4 | 0 | HMO 13 |
St. Lucie plan counts from the CMS 2026 landscape file (county FIPS 12111, Rating Area 59). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
Leaving St. Lucie County for 2027
Cigna sells 15 of the 115 plans in St. Lucie 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, four carriers are left from the 2026 St. Lucie lineup: Florida Blue, Ambetter Health, Oscar and Wellpoint. If you are enrolled with Cigna in St. Lucie, 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 St. Lucie County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest St. Lucie 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 St. Lucie 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 | $416 | $531 | $1,128 | $1,063 | $1,699 |
| Lowest silver | $613 | $783 | $1,663 | $1,566 | $2,504 |
| Benchmark silver (second lowest) | $613 | $784 | $1,665 | $1,568 | $2,507 |
| Lowest gold | $537 | $686 | $1,457 | $1,372 | $2,194 |
| Lowest platinum | $1,061 | $1,356 | $2,880 | $2,713 | $4,336 |
Benchmark silver is the second lowest of the 43 silver premiums listed for St. Lucie. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in St. Lucie County
The gold row is the surprise in St. Lucie County. The cheapest gold plan for a 40 year old, $686 a month, is $97 cheaper than the cheapest silver plan at $783. 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 St. Lucie shelf, and a gold deductible here tops out at $3,000.
In St. Lucie County the benchmark is $253 above the cheapest bronze at age 40, and only ten 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 $784 benchmark minus what the government expects you to pay from your income. A 40 year old in St. Lucie whose expected share is $253 a month or less would pay nothing for the cheapest bronze. At 60 the St. Lucie gap grows to $537 and at 21 it shrinks to $198, which is why older enrollees are the ones most likely to find a $0 plan.
No other county on my list is close enough to St. Lucie County to compare, so here is where it sits among the 20 Florida counties I track. Its benchmark is the 20th lowest of the 20 and its cheapest bronze is the 18th lowest. St. Lucie has five carriers, where the busiest county has ten.
St. Lucie plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 1 | 0 | |
| Bronze | 3 | 0 | $6,150 to $10,125 |
| Expanded Bronze | 34 | 9 | $0 to $9,000 |
| Silver | 43 | 0 | $1,850 to $9,500 |
| Gold | 26 | 3 | $0 to $3,000 |
| Platinum | 8 | 6 | |
| Total | 115 | 18 |
By network type the 115 St. Lucie plans break down as 77 HMO, 14 POS, 14 PPO and 10 EPO. 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 St. Lucie shelf to one company. 18 plans in St. Lucie have a $0 medical deductible (9 expanded bronze, 6 platinum and 3 gold). The 9 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 St. Lucie price on this page is before subsidies, and most enrollees pay less. For a 40 year old in St. Lucie the premium tax credit is measured against the $784 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the St. Lucie numbers for you.
2027 plans for St. Lucie County
These are the 2026 plans and prices for St. Lucie County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new St. Lucie 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 St. Lucie County coverage
How many health insurance companies sell marketplace plans in St. Lucie County, Florida?
For 2026, five carriers sell individual marketplace plans in St. Lucie County: Florida Blue, Ambetter Health, Cigna, Oscar and Wellpoint. Together they offer 115 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in St. Lucie County?
At full price before any subsidy, the cheapest bronze plan in St. Lucie County is $416 a month for a 21 year old, $531 at 40 and $1,128 at 60. In St. Lucie a couple both aged 40 pays $1,063 for the cheapest bronze, and two 40 year olds with two children pay $1,699. Catastrophic plans in St. Lucie, open only to people under 30 or with a hardship exemption, start at $481 at age 21. Most people in St. Lucie who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in St. Lucie County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $784 a month for a 40 year old in St. Lucie County before subsidies. In St. Lucie it is $613 at age 21 and $1,665 at age 60, and the lowest silver plan is $783 at 40.
Which insurance companies are leaving St. Lucie 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 15 plans in St. Lucie County. Four carriers from the 2026 St. Lucie lineup remain: Florida Blue, Ambetter Health, Oscar and Wellpoint. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO or a $0 deductible plan in St. Lucie County?
Yes to both. 14 of the 115 plans in St. Lucie are PPOs, all from Florida Blue, and 18 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in St. Lucie is $686 a month before subsidies.
More for St. Lucie County residents
- Health insurance brokers in Florida, how to choose one and what it costs
- Every 2027 carrier change in Florida
- How St. Lucie compares with the other 78 counties and parishes I track
- Estimate a St. Lucie subsidy
Get your St. Lucie County quote
Send me your ZIP and who needs coverage and I will compare every St. Lucie 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), St. Lucie 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