Health Coverage Options in Brevard County, Florida
Brevard County residents shop for health insurance through the ACA marketplace at healthcare.gov. Plan availability, carriers, and premium rates vary by ZIP code — so comparing options specific to your address is essential before enrolling.
Whether you're self-employed, between jobs, or simply don't have access to employer coverage, an independent broker can compare every plan available in Brevard County at no cost to you.
ACA Marketplace Plans in Brevard County
ACA marketplace plans available in Brevard County, Florida include all four metal tiers:
- Bronze — lowest premium, highest deductible. Best for healthy, low-utilization buyers.
- Silver — moderate premium with cost-sharing reductions available at qualifying income levels. Often the best overall value.
- Gold — higher premium, lower cost-sharing. Best for regular healthcare users.
- HDHP + HSA — high-deductible plan paired with a Health Savings Account. Popular with self-employed and higher-income residents.
Subsidy Eligibility for Brevard County Residents
ACA premium subsidies are based on your household income relative to the federal poverty level. For a single adult in 2026, subsidies generally apply at incomes between ~$15,650 and $62,600 — though enhanced provisions may extend credits higher depending on your county's benchmark plan premium. A licensed broker can calculate your exact subsidy before you choose a plan.
Self-Employed in Brevard County?
Self-employed residents of Brevard County — freelancers, contractors, small business owners, and 1099 workers — can deduct 100% of health insurance premiums on their federal tax return, provided they aren't eligible for coverage through a spouse's employer. This deduction reduces adjusted gross income dollar-for-dollar, lowering both taxes and potentially increasing subsidy eligibility.
Open Enrollment and Special Enrollment in Florida
Open Enrollment for Florida runs November 1 through January 15 each year. Outside this window, qualifying life events — job loss, marriage, divorce, having a baby, moving, or turning 26 — trigger a 60-day Special Enrollment Period. Call (713) 575-9904 if you need coverage outside of Open Enrollment.
Brevard County Plan Data for 2026
8 carrier(s) have filed 152 plans in Brevard County for 2026: Ambetter Health, Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Florida Health Care Plans, Health First Commercial Plans, Oscar Health Maintenance Organization of Florida, and others. Plan types available: EPO, HMO, POS, PPO.
Lowest full-price premium by metal tier for a 40-year-old in Brevard County:
- Bronze: from $542/month at age 40 — BlueSelect Bronze 24L01-01 (Rewards) (Florida Blue (BlueCross BlueShield FL)), $6,150 deductible, No Charge primary-care visit.
- Silver: from $560/month at age 40 — Clarity Silver (Ambetter Health), $8,000 deductible, $50 primary-care visit.
- Gold: from $545/month at age 40 — Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) (Health First Commercial Plans), $2,200 deductible, $15 primary-care visit.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Figures are full-price filed rates before any premium tax credit and are not a quote or an offer of coverage. Your actual cost depends on age, county, tobacco use, household size and subsidy eligibility. Verify current rates at enrollment.