Fundamental Bronze
Starting at
$617
/month before subsidy
Fundamental Bronze is a 2027 Bronze HMO health insurance plan from Ambetter Health, sold on the ACA Marketplace in Florida under plan ID 49004FL0010053. The monthly premium starts at $617 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $8,500 ($17,000 for a family), and the individual out-of-pocket maximum is $11,500 ($23,000 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 49004FL0010053
- Plan year
- 2027
- State
- Florida
- Metal level
- Bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$8,500
Family: $17,000
Out-of-Pocket Max
$11,500
Family: $23,000
Coinsurance
50%
You pay after deductible
Network Type
HMO
FLN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$10,570
your estimated cost
- Deductible
- $8,500
- Copays
- $10
- Coinsurance
- $2,000
Managing type 2 diabetes
A year of routine care
$5,220
your estimated cost
- Deductible
- $5,100
- Copays
- $100
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,810
your estimated cost
- Deductible
- $2,800
- Copays
- $10
- Coinsurance
- $0
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This Bronze HMO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.
Consider this plan if you:
- Rarely visit the doctor beyond annual checkups
- Have savings to cover the $8,500 deductible if needed
- Primarily need coverage for unexpected emergencies
- Want to minimize monthly healthcare expenses
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,575/month
Annual Premium
$7,404
OOP Maximum
$11,500
💡 What this means:
With a $8,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $11,500 total. Then insurance covers everything else for the year.
More plans from Ambetter Health in Florida
Frequently asked questions about Fundamental Bronze
How much does Fundamental Bronze cost per month?
Fundamental Bronze from Ambetter Health starts at $617 per month before any subsidy in Florida. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Fundamental Bronze?
The individual medical deductible is $8,500, and the family deductible is $17,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Fundamental Bronze?
The most you would pay in a year for covered in-network care is $11,500 for an individual and $23,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Fundamental Bronze HSA-eligible?
Yes. Fundamental Bronze is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Fundamental Bronze use?
Fundamental Bronze is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.