Silver Simple Chronic Care CKM | with AdventHealth
Silver · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $652.53 and $773.56 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 | $5,900 | $10,150 | No Charge | $3 |
| up to 150% of the federal poverty level | $0 | $1,500 | No Charge | No Charge |
| 150% to 200% | $800 | $3,350 | No Charge | No Charge |
| 200% to 250% | $5,000 | $8,100 | No Charge | $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 | 21525FL0010014 |
|---|---|
| Insurer | Oscar Health Maintenance Organization of Florida |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $5,900 |
| Deductible (family) | $11,800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | No Charge |
| Specialist visit | $35 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 Copay after deductible |
| 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 | $510.60 | $579.52 | $652.53 | $911.91 | $1,385.74 |
| Hillsborough County | $516.41 | $586.12 | $659.96 | $922.29 | $1,401.51 |
| Pasco County | $521.85 | $592.29 | $666.91 | $932.01 | $1,416.27 |
| Osceola County | $533.53 | $605.54 | $681.83 | $952.86 | $1,447.97 |
| Volusia County | $538.95 | $611.69 | $688.76 | $962.54 | $1,462.67 |
| Orange County | $541.35 | $614.42 | $691.83 | $966.83 | $1,469.19 |
| Lake County | $547.11 | $620.96 | $699.20 | $977.12 | $1,484.84 |
| Seminole County | $548.37 | $622.39 | $700.80 | $979.37 | $1,488.24 |
| Flagler County | $548.85 | $622.94 | $701.42 | $980.24 | $1,489.56 |
| Marion County | $555.33 | $630.29 | $709.70 | $991.80 | $1,507.13 |
| Charlotte County | $595.92 | $676.36 | $761.57 | $1,064.30 | $1,617.30 |
| Polk County | $605.30 | $687 | $773.56 | $1,081.05 | $1,642.76 |
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.