Silver Elite | with AdventHealth
Silver · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $658.59 and $780.74 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 | $5,000 | $9,850 | $25 | $3 |
| up to 150% of the federal poverty level | $0 | $1,300 | No Charge | No Charge |
| 150% to 200% | $0 | $3,350 | $10 | $3 |
| 200% to 250% | $5,000 | $7,500 | $25 | $3 |
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 | 21525FL0010012 |
|---|---|
| Insurer | Oscar Health Maintenance Organization of Florida |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $5,000 |
| Deductible (family) | $10,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,850 |
| Family maximum | $19,700 |
| Primary care visit | $25 |
| Specialist visit | $65 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 |
| Specialty drugs | 50% Coinsurance 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 | $515.34 | $584.90 | $658.59 | $920.38 | $1,398.60 |
| Hillsborough County | $521.21 | $591.56 | $666.09 | $930.85 | $1,414.52 |
| Pasco County | $526.69 | $597.79 | $673.10 | $940.66 | $1,429.42 |
| Osceola County | $538.48 | $611.16 | $688.16 | $961.71 | $1,461.41 |
| Volusia County | $543.95 | $617.37 | $695.16 | $971.48 | $1,476.25 |
| Orange County | $546.37 | $620.12 | $698.25 | $975.81 | $1,482.83 |
| Lake County | $552.19 | $626.73 | $705.69 | $986.20 | $1,498.62 |
| Seminole County | $553.46 | $628.16 | $707.31 | $988.46 | $1,502.06 |
| Flagler County | $553.95 | $628.72 | $707.93 | $989.34 | $1,503.39 |
| Marion County | $560.48 | $636.14 | $716.28 | $1,001 | $1,521.12 |
| Charlotte County | $601.45 | $682.64 | $768.64 | $1,074.18 | $1,632.32 |
| Polk County | $610.92 | $693.38 | $780.74 | $1,091.08 | $1,658.01 |
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.
Get told when this changes
When this plan’s price or benefits change.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
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.