Aging off your parents' plan at 26? DeLand young adults have a 60-day window to get covered. Here's exactly how ACA plans work in Volusia County.
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Volusia County's ACA market has 4 carriers competing for your business. Florida Blue covers most major hospitals and health systems in the region. Ambetter from Sunshine Health and Molina typically offer lower premiums for subsidy-eligible residents. Compare all 4 carriers before enrolling — the right choice depends on your doctors and budget.
DeLand has a large student and young adult population. Students turning 26 and aging off parents' health plans have a 60-day Special Enrollment Period to find their own coverage. Many young adults with moderate incomes qualify for very low-cost ACA plans — sometimes $0/month. Don't go without coverage after aging off your parents' plan.
Estimated monthly Silver plan premiums after federal subsidies. Actual costs vary by age, plan, and carrier.
| Household | Income Range | % of FPL | Est. Monthly Cost | Subsidy Level |
|---|---|---|---|---|
| 1 person | Under $15,060 | <100% | Medicaid (check eligibility) | Check Eligibility |
| 1 person | $15,060–$22,590 | 100–150% | $0/month | Maximum Subsidy |
| 1 person | $22,590–$37,650 | 150–250% | $0–$80/month | High Subsidy |
| 1 person | $37,650–$60,240 | 250–400% | $80–$250/month | Moderate Subsidy |
| Family of 4 | Under $31,200 | <100% | Medicaid (check eligibility) | Check Eligibility |
| Family of 4 | $31,200–$46,800 | 100–150% | $0–$30/month | Maximum Subsidy |
| Family of 4 | $46,800–$78,000 | 150–250% | $30–$200/month | High Subsidy |
| Family of 4 | $78,000–$124,800 | 250–400% | $200–$600/month | Moderate Subsidy |
Based on 2026 Federal Poverty Level guidelines. Florida did not expand Medicaid — residents below 100% FPL without dependent children may not qualify for Medicaid. Actual amounts vary by age and plan. Get your exact numbers →
"I work in hospitality and my employer doesn't offer insurance. I assumed ACA would be too expensive. Turns out I qualify for a $0/month plan — I'm still kind of shocked. The agent was patient and answered every question."
"After my husband's company stopped offering benefits, we were scrambling. FL Health Guide got us set up with a family plan in one phone call. The agent checked every carrier available in our county and found us the best rate."
In Volusia County, ACA plan premiums run $168–$620/month unsubsidized; $0–$50/month with typical subsidies. Most residents who apply qualify for premium tax credits based on income. A single adult earning $30,000/year typically pays $0–$40/month after subsidies. Use the form above to see your exact cost.
Volusia County has 4 ACA marketplace carriers: Florida Blue, Ambetter from Sunshine Health, Molina Healthcare, Oscar Health. Florida Blue generally has the broadest hospital network. Ambetter and Molina (where available) typically offer lower premiums for income-eligible residents. Compare all available plans before enrolling — the best option depends on your doctors and budget.
Many DeLand residents qualify for plans at $0 or very low monthly cost. A single adult earning under $36,000/year and a family of four earning under $62,000/year typically qualify for significant premium tax credits. Fill out the 2-minute form above to check your specific eligibility — there's no cost and no obligation.
Open Enrollment runs November 1 through January 15 each year. Outside of that window, you can enroll during a Special Enrollment Period if you've had a qualifying life event: losing a job, getting married, having a child, moving to DeLand, or losing Medicaid coverage. If you're unsure whether you qualify, call us — it takes about 5 minutes to find out.
Turning 26 is a qualifying life event that opens a 60-day Special Enrollment Period. You don't have to wait for Open Enrollment. Apply within 60 days of your 26th birthday. Many DeLand young adults with incomes under $30,000/year qualify for very low-cost ACA plans — sometimes $0/month.
Browse ACA plan guides for other Florida cities and counties.
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