Health Insurance in Monroe County, Florida
Comparing 2026 ACA and Medicare plans in Monroe County (county seat: Key West)? Here's what residents need to know — and how to find the lowest-cost option.
Reviewed by Brad S. · Licensed Florida Health Insurance Agent
Updated June 2026. Written and reviewed by a licensed agent at United Liberty Insurance Agency LLC to ensure accuracy. We cite official sources (HealthCare.gov, CMS, KFF) wherever possible.
The Monroe County market
Monroe County is part of South Florida. South Florida has the largest ACA marketplace enrollment in the nation, with strong competition among insurers. Because marketplace pricing and Medicare Advantage plan availability are set at the county level, your options in Monroe County can differ from a neighboring county.
Coverage options in Monroe County
- ACA marketplace plans — for residents under 65; subsidies may apply. See 2026 changes →
- Medicare Advantage & supplements — for residents 65+ or on disability. Compare Florida Medicare plans →
- Self-employed & private plans — for 1099 workers and business owners. Self-employed guide →
How much does coverage cost in Monroe County?
Premiums depend on your age, income, household size, and the specific plan. With the 2026 subsidy changes, choosing the right benchmark Silver plan matters more than ever. Estimate your subsidy →
Find a doctor in Monroe County
Search providers by ZIP, then we'll help confirm they're in your plan's network.
Plan availability, premiums, and benefits vary by ZIP code within Monroe County and are subject to change. For official information visit HealthCare.gov or Medicare.gov.