Bronze Classic Standard
Expanded Bronze · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $522.97 and $619.97 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 21525FL0010001 |
|---|---|
| Insurer | Oscar Health Maintenance Organization of Florida |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $7,500 |
| Deductible (family) | $15,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,000 |
| Family maximum | $20,000 |
| Primary care visit | $50 |
| Specialist visit | $100 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $50 Copay after deductible |
| Specialty drugs | $500 Copay after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service |
Where it is sold, and what it costs there
12 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Pinellas County | $409.22 | $464.46 | $522.97 | $730.85 | $1,110.60 |
| Hillsborough County | $413.88 | $469.74 | $528.93 | $739.17 | $1,123.24 |
| Pasco County | $418.24 | $474.69 | $534.50 | $746.96 | $1,135.07 |
| Osceola County | $427.60 | $485.31 | $546.46 | $763.67 | $1,160.47 |
| Volusia County | $431.94 | $490.24 | $552.01 | $771.43 | $1,172.26 |
| Orange County | $433.87 | $492.43 | $554.47 | $774.87 | $1,177.49 |
| Lake County | $438.49 | $497.67 | $560.37 | $783.12 | $1,190.02 |
| Seminole County | $439.49 | $498.81 | $561.66 | $784.92 | $1,192.75 |
| Flagler County | $439.88 | $499.25 | $562.16 | $785.61 | $1,193.81 |
| Marion County | $445.07 | $505.14 | $568.79 | $794.88 | $1,207.89 |
| Charlotte County | $477.60 | $542.07 | $610.36 | $852.98 | $1,296.19 |
| Polk County | $485.12 | $550.60 | $619.97 | $866.41 | $1,316.59 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.