Naples health insurance broker. Look past the monthly price.

Collier County plans for 2026 came from 6 companies: Ambetter Health, Cigna Healthcare, Florida Blue, Molina Healthcare, UnitedHealthcare, and Wellpoint. The 2027 list should be posted around November 1, 2026, when open enrollment starts.

Bronze plans usually have a lower monthly price and a higher deductible. Silver plans cost more each month. But they often pay more when you get care. If your income is low enough, a Silver plan may also come with a lower deductible and copays. Our bronze vs. silver guide explains more.

It depends mostly on your household income for the year you are covered. Apply with your best honest guess. Count any pension and most money you take out of retirement accounts. If your income changes, update your application right away. Then you are less likely to owe money at tax time.

Don't assume it is. Each plan sets its own network, and most Collier County plans are HMOs. Search for the hospital in the plan's directory before you enroll. We can search with you.

Some. Of Collier County's 131 Marketplace plans for 2026, 14 were PPOs. Another 10 were EPOs and 14 were POS plans. Each type has its own rules for doctors outside the network. If your tax credit is small or zero, a private PPO plan may be another option to look at. Some private plans ask health questions, and approval is not guaranteed. Some may not cover care for health problems you had before you enrolled.

As of October 5, 2026, under current law, you can sign up from November 1, 2026, through January 15, 2027. A court case about these dates is still on appeal, so check HealthCare.gov. To start coverage January 1, pick a plan by December 15. Outside those dates, you usually need a life event, such as a move or losing other coverage. Our Florida open enrollment guide has the details.