The CMS hospital file lists three hospitals with an emergency room in the Port St. Lucie area’s central counties, including Cleveland Clinic Martin North Hospital, HCA Florida Lawnwood Hospital and St. Lucie Medical Center. Whether a marketplace plan pays at any of them depends on the network attached to the specific plan you buy — not on the insurer’s name.
Who files marketplace plans in Port St. Lucie
Seven insurers filed 2026 marketplace plans in Martin and St. Lucie counties in the CMS Plan Year 2026 file: Ambetter Health, Cigna HealthCare of Florida, Inc. (leaving after 2026), Cigna Healthcare (leaving after 2026), Florida Blue (BlueCross BlueShield FL), Florida Blue HMO (a BlueCross BlueShield FL company), Oscar Health Maintenance Organization of Florida and Wellpoint. The lowest-cost Silver plan for a 40-year-old is about $705–$783 a month across the area before any premium tax credit. Plan types filed here: EPO, HMO, POS and PPO.
Every county in the Port St. Lucie area has at least one marketplace PPO. A PPO pays something toward care outside its network, which matters if you see doctors in more than one area — though it usually costs more than an HMO or EPO from the same insurer.
For 2027: Cigna is leaving the marketplace here. If your plan is from Cigna, it ends December 31, and the plan you move to may use a different network. Choose by December 15 for cover that starts January 1.
Hospitals in the Port St. Lucie area
Three acute-care hospitals with an emergency room in the central counties, from the CMS Hospital General Information file (July 2026). Listing a hospital is not a statement about which plans contract with it — that is decided plan by plan.
| Hospital | City | County | CMS star rating | Type | Ownership |
|---|---|---|---|---|---|
| Cleveland Clinic Martin North Hospital | Stuart | Martin County | 3 of 5 | Acute care | Non-profit |
| HCA Florida Lawnwood Hospital | Fort Pierce | St. Lucie County | 1 of 5 | Acute care | For-profit |
| St. Lucie Medical Center | Port Saint Lucie | St. Lucie County | 1 of 5 | Acute care | For-profit |
CMS star rating is the federal overall hospital quality rating, 1 to 5, from the same file.
Which insurance do Port St. Lucie hospitals accept?
The seven insurers above are the ones selling marketplace plans here. That is not a list of plans any of these hospitals accepts. Hospitals contract with individual plans, not whole insurers, so the same insurer can sell one plan that includes your hospital and another that doesn’t. The answer that counts is a check of your exact plan, dated. Get my free hospital check ↓
Searching for MetLife, Delta Dental or Renaissance? Those are dental insurers: dental plans cover teeth, not hospital care. If you want dental coverage too, see dental insurance for individuals.
How to check a hospital against a plan
- Start from the plan, not the insurer. Get the full plan name and its network name from the marketplace listing.
- Look the hospital up in that network in the insurer’s directory for the 2027 plan year, not the current one.
- Call the hospital’s billing office and read them the plan name. They can tell you whether they are contracted with that network.
- Check your doctors separately. A hospital being in a network does not put every doctor who works there in it.
- Write down the date and who told you. Contracts change during the year.
Or skip all of that: put your ZIP in below and tell me the hospital and doctors. I’ll check them against every plan filed in your county and tell you the date I checked.
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Find out which Port St. Lucie plans cover your hospital
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