- 6carriers selling 2027 marketplace plans in St. Lucie County
- 131plans on the St. Lucie shelf, from 43 bronze to 30 gold
- $852benchmark silver for a 40 year old in St. Lucie, full price per month
Who sells marketplace plans in St. Lucie County
Six companies sell in St. Lucie, against eight in the busiest Florida county I track and four in the thinnest. Florida Blue alone accounts for 55 of the 131 plans in St. Lucie, 42 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) | 55 | 18 | 20 | 10 | 6 | 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 |
| AvMed New for 2027 | 14 | 3 | 5 | 3 | 3 | HMO 14 |
| AmeriHealth Caritas Next New for 2027 | 8 | 3 | 2 | 3 | 0 | HMO 8 |
St. Lucie plan counts from the CMS 2027 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.
What changed in St. Lucie County for 2027
Cigna sold 15 of the 115 plans in St. Lucie County in 2026 and has no plans here in the 2027 CMS file. If you were enrolled with Cigna, 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 St. Lucie for 2027: AvMed and AmeriHealth Caritas Next. St. Lucie now has six carriers and 131 plans, against five carriers and 115 plans in 2026.
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 | $502 | $642 | $1,363 | $1,283 | $2,052 |
| Lowest silver | $637 | $814 | $1,729 | $1,628 | $2,603 |
| Benchmark silver (second lowest) | $667 | $852 | $1,810 | $1,705 | $2,725 |
| Lowest gold | $671 | $857 | $1,820 | $1,714 | $2,740 |
| Lowest platinum | $1,044 | $1,334 | $2,834 | $2,669 | $4,266 |
Benchmark silver is the second lowest of the 47 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
St. Lucie 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 $857, which is $5 above the benchmark silver and $43 above the cheapest silver. In St. Lucie the extra gold premium pays for a lower deductible rather than coming free.
In St. Lucie County the benchmark is $211 above the cheapest bronze at age 40, and 32 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 $852 benchmark minus what the government expects you to pay from your income. A 40 year old in St. Lucie whose expected share is $211 a month or less would pay nothing for the cheapest bronze. At 60 the St. Lucie gap grows to $447 and at 21 it shrinks to $165, 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 19th lowest. St. Lucie has six carriers, where the busiest county has eight.
St. Lucie 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 | 41 | 9 | $0 to $10,150 |
| Silver | 47 | 0 | $1,850 to $11,925 |
| Gold | 30 | 4 | $0 to $2,500 |
| Platinum | 9 | 7 | |
| Total | 131 | 20 |
By network type the 131 St. Lucie plans break down as 103 HMO, 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 St. Lucie shelf to one company. 20 plans in St. Lucie have a $0 medical deductible (9 expanded bronze, 7 platinum and 4 gold). The 9 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 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 $852 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 2027 plans and prices for St. Lucie 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 St. Lucie plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about St. Lucie County coverage
How many health insurance companies sell marketplace plans in St. Lucie County, Florida?
For 2027, six carriers sell individual marketplace plans in St. Lucie County: Florida Blue, Oscar, Ambetter Health, Wellpoint, AvMed and AmeriHealth Caritas Next. Together they offer 131 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 $502 a month for a 21 year old, $642 at 40 and $1,363 at 60. In St. Lucie a couple both aged 40 pays $1,283 for the cheapest bronze, and two 40 year olds with two children pay $2,052. Catastrophic plans in St. Lucie, open only to people under 30 or with a hardship exemption, start at $401 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 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $852 a month for a 40 year old in St. Lucie County before subsidies. In St. Lucie it is $667 at age 21 and $1,810 at age 60, and the lowest silver plan is $814 at 40.
Which insurance companies left St. Lucie County for 2027?
Cigna sold 15 plans in St. Lucie 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 and Wellpoint. New for 2027: AvMed and AmeriHealth Caritas Next.
Can I get a PPO or a $0 deductible plan in St. Lucie County?
Yes to both. 14 of the 131 plans in St. Lucie are PPOs, all from Florida Blue, and 20 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in St. Lucie is $857 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 2027 (public use file), St. Lucie County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines