XactInsure
Licensed Florida health insurance agency
The published benchmark for Monroe County is $1,278 a month at 40, inside a county plan band of $1,278 to $1,289 a month. See what your own household would qualify for.
Every figure below is published, not modelled: the CMS Marketplace public use files carry a rate for each qualifying Silver plan in Monroe County, and the second-cheapest of those sets the benchmark that sizes the premium tax credit.
In Monroe County the benchmark Silver plan costs $1,278 a month for a 40-year-old, inside the $1,278 to $1,289 band the county's Silver plans file at that age. It puts this county one of the most expensive county benchmarks in Florida: rank 67 of 67 by benchmark price, that is $579 a month above the Florida median of $699 for the same 40-year-old, inside a state range of $571.85 to $1,277.62.
For a household of two adults aged 40 earning $60,000 a year — 284% of the poverty line — the credit is an estimated $2,082 to $2,104 a month, about $2,082 on the benchmark plan and $24,984 for the year. The household's own share is 9.46% of income, about $473 a month against a benchmark band of $2,555 to $2,578, and the credit covers the difference between the two.
A Silver plan costs more than the cheapest tier but is the only one that can also come with extra cost-sharing reductions, and a licensed agent can price both tiers against your own dates of birth.
Source: Second-lowest-cost silver plan in Monroe County, priced from the published per-age rates of all 8 qualifying silver plans . Rating area: Rating Area 44. 8 qualifying Silver plans are published for this county.
Two numbers and a household size is all it takes. Nothing is stored by this box and no cookie is set on this page.
Ages are assumed at exactly 40 here, which is the age the published benchmark is quoted at. The full calculator asks for real dates of birth, which is what the price actually depends on.
The premium tax credit exists for 2026 where household income sits between 100% and 400% of the federal poverty line, priced on modified adjusted gross income for everyone on the return. For a household of two the 2025 guidelines used for the 2026 coverage year put that window at $21,150 to $84,600 a year.
Every step is visible on the calculator's result screen, with the source linked beside each input, so the arithmetic can be checked rather than trusted.
It scales with income and ages, so no single figure covers everybody: the worked example at the top of this page is one household, and a household of one at 40 sees a different credit from a family of four. In every case the credit is the benchmark Silver premium for the household's ages, less the share of income the 2026 table sets for that income level. Run your own dates of birth and income through the box on this page for your own band.
It is the second-lowest-cost standard Silver plan sold on the Exchange in Monroe County. The benchmark matters because it, not the plan you pick, sets the size of your credit, which is why the same household sees the same credit whichever Silver plan it chooses. The figure, and the band it sits in, are at the top of this page.
No. It is general information about how the published 2026 tables work, and for your own return you should ask a tax professional. A licensed agent can price the plans and the credit for your household on one call.
Monroe County has 9 published ZIP codes in the federal rating files, including 33001, 33036, 33037. Prices are published by rating area (Rating Area 44) so any ZIP inside the county prices identically.
XactInsure is a licensed Florida health insurance agency running a private calculator, and an agent can confirm the plans sold in your county whenever you want. It is not a Healthcare.gov, CMS or government agency site, and an estimate here is not an offer of insurance.
The figure is modified adjusted gross income for everyone on the tax return, and the calculator asks for a close yearly estimate of it. For 2026 the applicable-percentage table stops at 400% of the poverty line, so the credit falls to zero above that line rather than tapering.
Neighbouring counties that share the same pricing area or sit alongside it: