Florida · Insurer

UnitedHealthcare Marketplace Plans in Florida

Updated October 7, 2026

UnitedHealthcare of Florida sold 17 Marketplace HMOs in 32 counties in 2026. Copay Focus designs start with a $0 medical deductible, and the company filed about a 30% average 2027 increase.

Member experience not rated by CMS for 2025 or 2026.
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

2 of 5CMS quality rating (2026)

+30.17%Proposed 2027 change

What makes UnitedHealthcare different

Thirty-two counties span South Florida, Tampa Bay, Orlando and Space Coast, Tallahassee-area counties and the Pensacola area.
Named Copay Focus plans advertise a $0 individual medical deductible and $0 virtual urgent care on the 2026 grid.
Gold Advantage and Value plan names advertise low Tier 2 prescription copays alongside $0 virtual urgent care.
UnitedHealthcare is adding Sanitas Marketplace plans tied to Sanitas clinics in Miami-Dade, Broward and Palm Beach.

Miami Beach skyline with turquoise water and high-rise towers under a clear blue sky

Is UnitedHealthcare a good fit?

A good fit if

You live in UnitedHealthcare's 32-county Florida footprint
You like $0 medical deductible Copay Focus designs
You want a Sanitas clinic–centered plan in South Florida for 2027

Think twice if

CMS quality is 2 of 5 overall for both 2025 and 2026, with Medical Care at 2 and no member-experience rating.
Proposed 2027 increase is about 30% before subsidies — among the higher Florida filings.
Sanitas plans use a narrower primary-care network. Do not assume Sanitas access on a standard UHC HMO plan.

Good starting points

From its 17 2026 plans statewide, lowest price in any Florida rating area.

BronzeUHC Bronze Essential- ($0 Virtual Urgent Care)$539/monthAge 40, 2026 premium before tax creditsLowest monthly premium

BronzeUHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)$585/monthAge 40, 2026 premium before tax creditsLowest deductible, $0

GoldUHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)$837/monthAge 40, 2026 premium before tax credits$20 primary care visits before the deductible

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.

UnitedHealthcare plans and prices

All 2026 UnitedHealthcare plans in Florida

Premium is the lowest monthly premium before tax credits across Florida rating areas. OOP max is the out-of-pocket maximum. Costs are in network, for the standard version of each plan.
Plan	Metal	Type	Premium (age 40)	Deductible	OOP max	Primary care	Specialist	Generic Rx	HSA	Counties
UHC Bronze Essential- ($0 Virtual Urgent Care)	MetalBronze	TypeHMO	Premium (age 40)$539	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties32
UHC Bronze Essential ($0 Virtual Urgent Care)	MetalBronze	TypeHMO	Premium (age 40)$539	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties32
UHC Bronze Standard	MetalBronze	TypeHMO	Premium (age 40)$564	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties32
UHC Bronze Standard+ (Dental + Vision)	MetalBronze	TypeHMO	Premium (age 40)$584	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties32
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)	MetalBronze	TypeHMO	Premium (age 40)$585	Deductible$0	OOP max$10,600	Primary care$50	Specialist$120	Generic Rx$20	HSANo	Counties32
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)	MetalBronze	TypeHMO	Premium (age 40)$604	Deductible$0	OOP max$10,600	Primary care$50	Specialist$120	Generic Rx$20	HSANo	Counties32
UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)	MetalSilver	TypeHMO	Premium (age 40)$713	Deductible$4,500	OOP max$9,900	Primary care$35	Specialist$65	Generic Rx$5	HSANo	Counties32
UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	MetalSilver	TypeHMO	Premium (age 40)$733	Deductible$4,500	OOP max$9,900	Primary care$35	Specialist$65	Generic Rx$5	HSANo	Counties32
UHC Silver Standard-	MetalSilver	TypeHMO	Premium (age 40)$749	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties32
UHC Silver Standard	MetalSilver	TypeHMO	Premium (age 40)$749	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties32
UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)	MetalSilver	TypeHMO	Premium (age 40)$759	Deductible$2,700	OOP max$10,350	Primary care$30	Specialist$85	Generic Rx$5	HSANo	Counties32
UHC Silver Standard+ (Dental + Vision)	MetalSilver	TypeHMO	Premium (age 40)$769	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties32
UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)	MetalSilver	TypeHMO	Premium (age 40)$779	Deductible$2,700	OOP max$10,350	Primary care$30	Specialist$85	Generic Rx$5	HSANo	Counties32
UHC Gold Standard	MetalGold	TypeHMO	Premium (age 40)$815	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties32
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx)	MetalGold	TypeHMO	Premium (age 40)$822	Deductible$0	OOP max$10,600	Primary care$25	Specialist$50	Generic Rx$3	HSANo	Counties32
UHC Gold Advantage ($0 Virtual Urgent Care, $1 Tier 2 Rx)	MetalGold	TypeHMO	Premium (age 40)$837	Deductible$500	OOP max$9,000	Primary care$20	Specialist$50	Generic Rx$1	HSANo	Counties32
UHC Gold Advantage+ ($0 Virtual Urgent Care, $1 Tier 2 Rx, Dental + Vision)	MetalGold	TypeHMO	Premium (age 40)$857	Deductible$500	OOP max$9,000	Primary care$20	Specialist$50	Generic Rx$1	HSANo	Counties32

Good to know

AdventHealth contract talks were in the news for 2027. Confirm product-level network status for Marketplace HMOs before you enroll.

Other Florida Marketplace insurers

Sources

UnitedHealthcare of Florida Part II justification, 2027, June 9, 2026
UnitedHealthcare, Sanitas expansion, September 29, 2026
CMS Nationwide QRS PUF PY2026, October 2025
UHCprovider.com, 2027 Individual Exchange plan information, October 1, 2026
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.