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2025 Health Insurance Plans in Monroe County, FL

Find and compare 2025 health plans in Monroe County, FL. Every health insurance plan below offers 10 essential benefits and qualifies for cost assistance. Select a plan to learn more about cost-sharing, benefits, and how you can save.
AmeriHealth Caritas Next Silver Deluxe + No Referrals
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$9000 per group

Coinsurance:

30.00%
See Plan
Silver 9
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$15450 per group
Deductible:

$10000 per group

Coinsurance:

35.00%
See Plan
Standard Expanded Bronze + Vision + Adult Dental
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Standard Gold + Vision + Adult Dental
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Enhanced Diabetes Care Silver with $0 Drug Options
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17100 per group
Deductible:

$10000 per group

Coinsurance:

50.00%
See Plan
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17100 per group
Deductible:

$10000 per group

Coinsurance:

50.00%
See Plan
Standard Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Standard Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Everyday Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$1500 per group

Coinsurance:

35.00%
See Plan
Everyday Bronze + Vision + Adult Dental
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$16900 per group

Coinsurance:

50.00%
See Plan
Elite Bronze + Vision + Adult Dental
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
Elite Silver + Vision + Adult Dental
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
Focused Silver + Vision + Adult Dental
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$12600 per group

Coinsurance:

50.00%
See Plan
Complete Gold + Vision + Adult Dental
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15000 per group
Deductible:

$2900 per group

Coinsurance:

20.00%
See Plan
Everyday Gold + Vision + Adult Dental
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$1500 per group

Coinsurance:

35.00%
See Plan
Standard Expanded Bronze
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Everyday Bronze
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$16900 per group

Coinsurance:

50.00%
See Plan
Elite Bronze
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
Elite Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
Focused Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$12600 per group

Coinsurance:

50.00%
See Plan
Complete Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15000 per group
Deductible:

$2900 per group

Coinsurance:

20.00%
See Plan
Cigna Dental Pediatric
2025
Low
HSA:
Out-of-Pocket Maximum:

per person not applicable
per group not applicable
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Cigna Dental Family + Pediatric
2025
Low
HSA:
Out-of-Pocket Maximum:

per person not applicable
per group not applicable
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
EssentialSmile Florida – Total Care
2025
Low
HSA:
Out-of-Pocket Maximum:

$400 per person
$800 per group
Deductible:

$30 per person
per group not applicable

Coinsurance:

See Plan
Bronze Elite + PCP Saver Plus
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
Silver Elite
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$9700 per group

Coinsurance:

50.00%
See Plan
Silver Simple PCP Saver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17800 per group
Deductible:

$11000 per group

Coinsurance:

40.00%
See Plan
Silver Simple Diabetes
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17100 per group
Deductible:

$13000 per group

Coinsurance:

50.00%
See Plan
Silver Simple Chronic Care CKM
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$11500 per group

Coinsurance:

50.00%
See Plan
Bronze Classic 4700
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$9400 per group

Coinsurance:

50.00%
See Plan
Bronze Classic Standard
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Silver Classic Standard
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Gold Classic Standard
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Secure
2025
Catastrophic
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$16600 per group

Coinsurance:

50.00%
See Plan
Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$14900 per group
Deductible:

$4500 per person
$9000 per group

Coinsurance:

20.00%
See Plan
Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14600 per group
Deductible:

$2400 per person
$4800 per group

Coinsurance:

35.00%
See Plan
Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$16600 per group

Coinsurance:

50.00%
See Plan
Silver Savings 1821 (Primary Care Copay, Open Access)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$14900 per group
Deductible:

$4500 per person
$9000 per group

Coinsurance:

20.00%
See Plan
Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14600 per group
Deductible:

$2400 per person
$4800 per group

Coinsurance:

35.00%
See Plan
BlueCare Gold 24K02-28S ($30 PCP Visits / Multilingual Available / Rewards)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Multilingual Available / Rewards)
2025
Platinum
HSA: No
Out-of-Pocket Maximum:

$8600 per group
Deductible:

$0 per group

Coinsurance:

0.00%
See Plan
BlueCare Silver 24K02-27S ($40 PCP Visits / Multilingual Available / Rewards)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
BlueCare Platinum 24K02-15 ($0 Virtual PCP Visits / $0 Labs / $10 PCP Visits / Rewards)
2025
Platinum
HSA: No
Out-of-Pocket Maximum:

$4550 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

20.00%
See Plan
BlueCare Bronze 24K02-17 ($0 Virtual PCP Visits / 3 PCP Visits for $0 then $55 / Rewards)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$13000 per group

Coinsurance:

50.00%
See Plan
BlueCare Bronze 24K02-18 ($0 Virtual PCP Visits / Rewards)
2025
Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$12300 per group

Coinsurance:

50.00%
See Plan
BlueCare Gold 24K02-20 ($0 Virtual PCP Visits / $15 PCP Visits / Rewards)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$12500 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

40.00%
See Plan
BlueCare Silver 24K02-21 ($0 Virtual PCP Visits / $0 Labs / Rewards)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$8000 per group

Coinsurance:

50.00%
See Plan
BlueCare Bronze 24K02-23 ($0 Virtual PCP Visits / $50 PCP Visits / Rewards)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
BlueCare Bronze 24K02-26S (Multilingual Available / Rewards)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Silver 550 Dental+Vision (2025)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$14500 per group
Deductible:

$12500 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Gold 125 Dental+Vision (2025)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$9400 per group
Deductible:

$4000 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Silver 350 Dental+Vision (2025)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$7000 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Bronze 650 (2025)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$17500 per group
Deductible:

$17500 per group

Coinsurance:

30.00%
See Plan
AvMed Entrust Platinum 25 Dental+Vision (2025)
2025
Platinum
HSA: No
Out-of-Pocket Maximum:

$8700 per group
Deductible:

$0 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Silver 550 (2025)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$14500 per group
Deductible:

$12500 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Bronze 600 (2025)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$17000 per group
Deductible:

$13000 per group

Coinsurance:

30.00%
See Plan
AvMed Entrust Platinum 25 (2025)
2025
Platinum
HSA: No
Out-of-Pocket Maximum:

$8700 per group
Deductible:

$0 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Gold 125 (2025)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$9400 per group
Deductible:

$4000 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Silver 350 (2025)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$7000 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Silver Standard (2025)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
AvMed Entrust Expanded Bronze Standard (2025)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
AvMed Entrust Gold Standard (2025)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
AvMed Entrust Platinum Standard (2025)
2025
Platinum
HSA: No
Out-of-Pocket Maximum:

$8600 per group
Deductible:

$0 per group

Coinsurance:

0.00%
See Plan
BlueSelect Bronze 24L01-01 ($0 Virtual PCP Visits / Rewards)
2025
Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$12300 per group

Coinsurance:

50.00%
See Plan
BlueSelect Bronze 2139V ($0 Virtual PCP Visits / $50 PCP Visits / Adult Vision / Rewards)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
BlueSelect Silver 1443E ($0 Virtual PCP Visits / $0 Labs / Adult Dental & Vision / Rewards)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$8000 per group

Coinsurance:

50.00%
See Plan
BlueSelect Bronze 2139E ($0 Virtual PCP Visits / $50 PCP Visits / Adult Dental & Vision / Rewards)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
BlueSelect Gold 1535V ($0 Virtual PCP Visits / $15 PCP Visits / Adult Vision / Rewards)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$12500 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

40.00%
See Plan
BlueSelect Silver 1443V ($0 Virtual PCP Visits / $0 Labs / Adult Vision / Rewards)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$8000 per group

Coinsurance:

50.00%
See Plan
BlueSelect Bronze 2139 ($0 Virtual PCP Visits / $50 PCP Visits / Rewards)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
BlueSelect Bronze 2342S ($50 PCP Visits / Multilingual Available / Rewards)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
BlueSelect Silver 2343S ($40 PCP Visits / Multilingual Available / Rewards)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
BlueSelect Gold 2344S ($30 PCP Visits / Multilingual Available / Rewards)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Multilingual Available / Rewards)
2025
Platinum
HSA: No
Out-of-Pocket Maximum:

$8600 per group
Deductible:

$0 per group

Coinsurance:

0.00%
See Plan
BlueSelect Silver 1456 ($0 Virtual PCP Visits / $50 PCP Visits / Rewards)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$14300 per group
Deductible:

$2800 per person
$5600 per group

Coinsurance:

40.00%
See Plan
BlueSelect Platinum 1451 ($0 Virtual PCP Visits / $0 Labs / $15 PCP Visits / Rewards)
2025
Platinum
HSA: No
Out-of-Pocket Maximum:

$8000 per group
Deductible:

$1000 per person
$2000 per group

Coinsurance:

10.00%
See Plan
BlueSelect Bronze 1449 ($0 Virtual PCP Visits / 3 PCP Visits for $0 then $55 / Rewards)
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$13000 per group

Coinsurance:

50.00%
See Plan
BlueSelect Platinum 1457 ($0 Deductible / $0 Virtual PCP Visits / $10 PCP Visits / Rewards)
2025
Platinum
HSA: No
Out-of-Pocket Maximum:

$4550 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

20.00%
See Plan
BlueSelect Silver 1443 ($0 Virtual PCP Visits / $0 Labs / Rewards)
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$8000 per group

Coinsurance:

50.00%
See Plan
BlueSelect Gold 1535 ($0 Virtual PCP Visits / $15 PCP Visits / Rewards)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$12500 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

40.00%
See Plan
BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)
2025
Expanded Bronze
HSA: Yes
Out-of-Pocket Maximum:

$13400 per group
Deductible:

$13300 per group

Coinsurance:

5.00%
See Plan
BlueSelect Gold 1835 ($0 Virtual PCP Visits / $15 Labs / Rewards)
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$11800 per group
Deductible:

$1500 per person
$3000 per group

Coinsurance:

20.00%
See Plan
Guardian Select for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$60 per person
per group not applicable

Coinsurance:

See Plan
Guardian Basics for Familes and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$60 per person
per group not applicable

Coinsurance:

See Plan
Guardian Preventive Plus for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$60 per person
per group not applicable

Coinsurance:

See Plan
Guardian Essentials for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$60 per person
per group not applicable

Coinsurance:

See Plan