2,010
2026 Marketplace plan selections reported by CMS.
Florida · local Marketplace intelligence
ACA Marketplace in Gulf County, Florida: 2026 plan data
Quick answer · plan year 2026 data
In Gulf County, Florida, 3 insurers offered 77 individual-market medical plans for plan year 2026 (3 Bronze, 22 Expanded Bronze, 16 Gold, 8 Platinum, 28 Silver). The benchmark plan (second-lowest-cost silver) was $684 a month for a 40-year-old before tax credits, and the lowest-cost bronze (Bronze or Expanded Bronze tier) was $505. CMS counted 2,010 plan selections in Gulf County.
Insurers in the 2026 data: Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company).
These are plan-year 2026 figures from CMS, not a 2027 plan list or a personal quote. What you pay depends on your age, household income and the plan you choose.
Use verified CMS county benchmarks to understand the local Marketplace before you compare your own coverage options. These measures provide context—not a personal quote.
90.1%
of selections received advance premium tax credits (APTC).
$932 → $197
Average monthly premium and average after APTC among the CMS county measures.
Local coverage context in Gulf County
Of the 2,010 Marketplace selections CMS reported for 2026, 223 were new consumers and 1,787 were returning consumers. CMS also reported 562 active reenrollees who switched plans.
CMS reported 887 Bronze and 1,022 Silver selections. The Gold enrollment value was suppressed in the CMS county file. Metal level does not determine whether a particular plan fits your doctors, prescriptions or expected care.
Local premium benchmark
How the CMS averages compare
These county averages describe 2026 Marketplace selections; they are not a personal quote.
Average premium$932
Average after APTC$197
$735 lower on average among the reported measures (79% difference).
What this means when comparing coverage
CMS reports 1,811 APTC recipients in the county, with average APTC of $816. These are county-level historical Marketplace measures, not a quote or guarantee of your eligibility, premium, savings, plan availability, or provider network.
Check ACA eligibility factors · Understand Marketplace savings · Florida ACA overview
Local evidence
What stands out in Gulf County's 2026 ACA Marketplace data?
CMS reports 2,010 plan selections in Gulf County. That ranks #61 of 67 Florida counties in this CoveragePath CMS dataset by Marketplace selections. This is enrollment context, not an estimate of how many county residents are eligible.
90.1% of reported selections received APTC. The average premium was $932 and the average after APTC was $197 — a $735 difference in these county-level CMS averages. These averages are not a personal quote or subsidy estimate.
For separate population context, the 2024 ACS uninsured estimate is 8.3%. ACS population insurance statistics and ACA Marketplace eligibility are different measures.
Local marketplace facts
What is available in Gulf County?
- Plan selections by age
- Under 35: 28.5% · 35-54: 38.7% · 55-64: 32.0% · 65+: 0.8% Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- Benchmark (second-lowest-cost) silver, monthly, age 40, before tax credits
- $684 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Consumers eligible for cost-sharing reductions
- 945 of 2,010 (47.0%) Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- New, returning and auto-renewed consumers
- 11.1% new to the Marketplace, 88.9% returning; 827 (41.1% of all) were automatically re-enrolled Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- Insurers offering Marketplace plans
- Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company) Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Federally funded Navigator organization for this area
- University of South Florida (virtual only). Listed by CMS as a funded Navigator for this county; a listing is not an endorsement. Services and availability are set by the organization, so confirm with them directly. Source: CMS 2026-2027 Navigator Cooperative Agreement Awardees (budget period Aug 27, 2026 to Aug 26, 2027)
- Lowest-cost bronze, monthly, age 40, before tax credits
- $505 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Plans by metal level
- Bronze: 3 · Expanded Bronze: 22 · Gold: 16 · Platinum: 8 · Silver: 28 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
How Gulf County compares with Florida
Gulf County accounts for about 0.0% of the 2026 Marketplace selections in this Florida county dataset. These comparisons use the same sourced county inventory shown on this page.
The county average premium is +$126 versus the selection-weighted Florida county benchmark of $806.
The county average after APTC is +$91 versus the selection-weighted benchmark of $106.
The ACS county uninsured estimate is -3.2 points versus the population-weighted Florida county benchmark of 11.5%.
Method: premium benchmarks are weighted by Marketplace plan selections; the ACS uninsured benchmark is weighted by the ACS county population universe. Suppressed CMS values are not estimated.
Population coverage context
Health coverage context in Gulf County
8.3%
ACS estimate for the uninsured share of the Census S2701 population universe.
12,523
People in the ACS health-insurance coverage population universe for this county.
The U.S. Census Bureau's 2024 ACS 5-Year estimate describes population health-insurance coverage in Gulf County. It is useful local context, but it does not measure ACA Marketplace eligibility, enrollment, premiums, subsidies, or plan availability. The Marketplace figures above come separately from CMS.
Check the factors that affect ACA eligibility · Compare Florida Marketplace context
Population context source: U.S. Census Bureau, 2020-2024 ACS 5-Year Subject Table S2701 · County FIPS 12045
Source: Centers for Medicare & Medicaid Services, 2026 OEP County-Level Public Use File · Verified September 17, 2026 · County FIPS 12045