Silver Classic Standard | with AdventHealth
Silver · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $650.90 and $771.62 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 21525FL0010010 |
|---|---|
| Insurer | Oscar Health Maintenance Organization of Florida |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 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 | $509.32 | $578.06 | $650.90 | $909.62 | $1,382.26 |
| Hillsborough County | $515.11 | $584.64 | $658.30 | $919.98 | $1,397.99 |
| Pasco County | $520.54 | $590.80 | $665.24 | $929.66 | $1,412.72 |
| Osceola County | $532.19 | $604.02 | $680.12 | $950.47 | $1,444.33 |
| Volusia County | $537.59 | $610.16 | $687.03 | $960.12 | $1,459 |
| Orange County | $539.99 | $612.88 | $690.09 | $964.40 | $1,465.51 |
| Lake County | $545.74 | $619.40 | $697.44 | $974.67 | $1,481.11 |
| Seminole County | $546.99 | $620.82 | $699.04 | $976.91 | $1,484.51 |
| Flagler County | $547.48 | $621.37 | $699.66 | $977.77 | $1,485.82 |
| Marion County | $553.93 | $628.70 | $707.91 | $989.31 | $1,503.35 |
| Charlotte County | $594.42 | $674.66 | $759.66 | $1,061.63 | $1,613.24 |
| Polk County | $603.78 | $685.28 | $771.62 | $1,078.33 | $1,638.63 |
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.