Florida · Insurer
Oscar Marketplace Plans in Florida
Oscar's Florida Marketplace book moved to this HMO for 2026, with 34 plans in 32 counties. It filed about a 10.4% average 2027 increase and offers condition-specific Simple plans.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
32 of 67Florida counties (2026)
HMOPlan type
Not yet ratedCMS quality rating (2026)
+10.37%Proposed 2027 change
What makes Oscar different
Issuer 21525 is the on-exchange HMO. The older EPO company (40572) moved off-exchange; on-exchange members mapped to the HMO for 2026.
Thirty-two counties span Miami-Dade through Tampa Bay, Orlando, Jacksonville, Tallahassee and parts of the Panhandle.
In 12 Central Florida and Tampa Bay counties, AdventHealth-branded plans sit beside the Standard HMO set.
Diabetes, COPD (Breathe Easy), Chronic Care CKM and menopause plans list $0 condition-related visits and labs on designs we checked.
Is Oscar a good fit?
A good fit if
- You live in Oscar's 32-county Florida footprint
- You want a diabetes, COPD, chronic-care or menopause-focused plan
- You prefer no specialist referral on an HMO SBC
Think twice if
- Every plan is an HMO: out-of-network care is generally limited to emergencies.
- AdventHealth-branded plans are only in 12 counties; elsewhere you get the Standard HMO set.
- CMS has not published a quality star rating for issuer 21525 yet.
Good starting points
From its 34 2026 plans statewide, lowest price in any Florida rating area.Bronze Simple Breathe Easy with Enhanced COPD Benefits$473/monthLowest monthly premium
Bronze Elite + PCP Saver Plus | with AdventHealth$542/monthLowest deductible, $0
Silver Simple Diabetes | with AdventHealth$651/month$0 primary care visits before the deductible
Bronze Simple Breathe Easy with Enhanced COPD Benefits$477/monthDesigned for a specific health need
2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
Oscar plans and prices
All 2026 Oscar plans in Florida
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MetalBronze | TypeHMO | Premium (age 40)$473 | Deductible$9,000 | OOP max$10,600 | Primary care40% after deductible | Specialist40% after deductible | Generic Rx$3 | HSANo | Counties12 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MetalBronze | TypeHMO | Premium (age 40)$477 | Deductible$9,000 | OOP max$10,600 | Primary care40% after deductible | Specialist40% after deductible | Generic Rx$3 | HSANo | Counties20 |
| Bronze Classic Standard | with AdventHealth | MetalBronze | TypeHMO | Premium (age 40)$499 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties12 |
| Bronze Classic Standard | MetalBronze | TypeHMO | Premium (age 40)$503 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties20 |
| Bronze Classic 4700 | MetalBronze | TypeHMO | Premium (age 40)$507 | Deductible$4,700 | OOP max$10,150 | Primary care$70 | Specialist$125 | Generic Rx$3 | HSANo | Counties20 |
| Bronze Simple Diabetes | MetalBronze | TypeHMO | Premium (age 40)$509 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties20 |
| Bronze Classic 4700 | with AdventHealth | MetalBronze | TypeHMO | Premium (age 40)$511 | Deductible$4,700 | OOP max$9,200 | Primary care$70 | Specialist$125 | Generic Rx$3 | HSANo | Counties12 |
| Bronze Simple Chronic Care CKM | MetalBronze | TypeHMO | Premium (age 40)$515 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties20 |
| Bronze Classic Standard | MetalBronze | TypeHMO | Premium (age 40)$523 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties12 |
| Bronze Simple Diabetes | MetalBronze | TypeHMO | Premium (age 40)$530 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties12 |
| Bronze Simple Chronic Care CKM | MetalBronze | TypeHMO | Premium (age 40)$536 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties12 |
| Bronze Elite + PCP Saver Plus | with AdventHealth | MetalBronze | TypeHMO | Premium (age 40)$542 | Deductible$0 | OOP max$10,600 | Primary care$50 | Specialist$125 | Generic Rx$3 | HSANo | Counties12 |
| Bronze Elite + PCP Saver Plus | MetalBronze | TypeHMO | Premium (age 40)$547 | Deductible$0 | OOP max$10,600 | Primary care$50 | Specialist$125 | Generic Rx$3 | HSANo | Counties20 |
| Silver Simple PCP Saver | with AdventHealth | MetalSilver | TypeHMO | Premium (age 40)$645 | Deductible$5,000 | OOP max$9,250 | Primary care$20 | Specialist$80 | Generic Rx$3 | HSANo | Counties12 |
| Silver Simple PCP Saver | MetalSilver | TypeHMO | Premium (age 40)$650 | Deductible$5,000 | OOP max$9,250 | Primary care$20 | Specialist$80 | Generic Rx$3 | HSANo | Counties20 |
| Silver Classic Standard | with AdventHealth | MetalSilver | TypeHMO | Premium (age 40)$651 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties12 |
| Silver Simple Diabetes | with AdventHealth | MetalSilver | TypeHMO | Premium (age 40)$651 | Deductible$6,500 | OOP max$10,000 | Primary care$0 | Specialist$40 | Generic Rx$0 | HSANo | Counties12 |
| Silver Simple Chronic Care CKM | with AdventHealth | MetalSilver | TypeHMO | Premium (age 40)$653 | Deductible$5,900 | OOP max$10,150 | Primary care$0 | Specialist$35 | Generic Rx$3 | HSANo | Counties12 |
| Silver Classic Standard | MetalSilver | TypeHMO | Premium (age 40)$656 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties20 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MetalSilver | TypeHMO | Premium (age 40)$656 | Deductible$6,200 | OOP max$9,600 | Primary care$0 | Specialist$40 | Generic Rx$3 | HSANo | Counties20 |
| Silver Simple Diabetes | MetalSilver | TypeHMO | Premium (age 40)$656 | Deductible$6,500 | OOP max$10,000 | Primary care$0 | Specialist$40 | Generic Rx$0 | HSANo | Counties20 |
| Silver Simple Women's Health with Menopause Benefits | MetalSilver | TypeHMO | Premium (age 40)$657 | Deductible$6,000 | OOP max$10,150 | Primary care$0 | Specialist$40 | Generic Rx$3 | HSANo | Counties20 |
| Silver Simple Chronic Care CKM | MetalSilver | TypeHMO | Premium (age 40)$658 | Deductible$5,900 | OOP max$10,150 | Primary care$0 | Specialist$35 | Generic Rx$3 | HSANo | Counties20 |
| Silver Elite | with AdventHealth | MetalSilver | TypeHMO | Premium (age 40)$659 | Deductible$5,000 | OOP max$9,850 | Primary care$25 | Specialist$65 | Generic Rx$3 | HSANo | Counties12 |
| Silver Elite | MetalSilver | TypeHMO | Premium (age 40)$665 | Deductible$5,000 | OOP max$9,750 | Primary care$25 | Specialist$65 | Generic Rx$3 | HSANo | Counties20 |
| Silver Classic Standard | MetalSilver | TypeHMO | Premium (age 40)$684 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties12 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MetalSilver | TypeHMO | Premium (age 40)$684 | Deductible$6,200 | OOP max$9,600 | Primary care$0 | Specialist$40 | Generic Rx$3 | HSANo | Counties12 |
| Silver Simple Women's Health with Menopause Benefits | MetalSilver | TypeHMO | Premium (age 40)$685 | Deductible$6,000 | OOP max$10,150 | Primary care$0 | Specialist$40 | Generic Rx$3 | HSANo | Counties12 |
| Gold Simple | with AdventHealth | MetalGold | TypeHMO | Premium (age 40)$588 | Deductible$3,000 | OOP max$9,950 | Primary care$5 | Specialist$10 | Generic Rx$3 | HSANo | Counties12 |
| Gold Elite Saver Plus | with AdventHealth | MetalGold | TypeHMO | Premium (age 40)$590 | Deductible$0 | OOP max$9,500 | Primary care$20 | Specialist$40 | Generic Rx$3 | HSANo | Counties12 |
| Gold Simple | MetalGold | TypeHMO | Premium (age 40)$593 | Deductible$3,000 | OOP max$9,950 | Primary care$5 | Specialist$10 | Generic Rx$3 | HSANo | Counties20 |
| Gold Classic Standard | with AdventHealth | MetalGold | TypeHMO | Premium (age 40)$618 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties12 |
| Gold Classic Standard | MetalGold | TypeHMO | Premium (age 40)$623 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties20 |
| Gold Classic Standard | MetalGold | TypeHMO | Premium (age 40)$649 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties12 |
Good to know
Issuer 21525 is unrated in the CMS QRS PUF for 2025 and 2026. Do not borrow the off-exchange EPO's 3-star rating for this page.
Other Florida Marketplace insurers
- Florida Blue HMO
- AvMed
- Ambetter
- Florida Blue
- Health First
- Florida Health Care Plans
- UnitedHealthcare
- Wellpoint
- AmeriHealth Caritas Next
- Capital Health Plan
Sources
- Oscar HMO of Florida actuarial memorandum, 2027, July 13, 2026
- Oscar 2026 Florida network overview, September 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- FLOIR consent order, Oscar HMO of Florida 2026 rates, August 13, 2025
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Florida Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.