Silver Classic Standard
Silver · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $656.01 and $928.35 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 | 21525FL0020007 |
|---|---|
| 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
20 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 |
|---|---|---|---|---|---|
| Hernando County | $513.32 | $582.61 | $656.01 | $916.77 | $1,393.13 |
| Palm Beach County | $533.99 | $606.07 | $682.43 | $953.69 | $1,449.22 |
| Broward County | $539.72 | $612.57 | $689.74 | $963.91 | $1,464.76 |
| Bay County | $539.81 | $612.67 | $689.86 | $964.08 | $1,465.01 |
| Duval County | $539.81 | $612.67 | $689.86 | $964.08 | $1,465.01 |
| Escambia County | $539.81 | $612.67 | $689.86 | $964.08 | $1,465.01 |
| Miami-Dade County | $540.29 | $613.22 | $690.48 | $964.95 | $1,466.33 |
| Clay County | $556 | $631.05 | $710.56 | $993 | $1,508.96 |
| Brevard County | $574.98 | $652.59 | $734.81 | $1,026.90 | $1,560.47 |
| Walton County | $578.27 | $656.33 | $739.02 | $1,032.78 | $1,569.41 |
| Saint Johns County | $586.11 | $665.23 | $749.04 | $1,046.78 | $1,590.68 |
| Martin County | $590.84 | $670.60 | $755.08 | $1,055.23 | $1,603.52 |
| Manatee County | $592.02 | $671.94 | $756.59 | $1,057.34 | $1,606.73 |
| Citrus County | $605.64 | $687.39 | $773.99 | $1,081.65 | $1,643.67 |
| Leon County | $621.73 | $705.65 | $794.56 | $1,110.40 | $1,687.35 |
| Okaloosa County | $627.97 | $712.74 | $802.54 | $1,121.54 | $1,704.29 |
| Alachua County | $637.63 | $723.70 | $814.88 | $1,138.80 | $1,730.51 |
| Sarasota County | $643.29 | $730.13 | $822.12 | $1,148.90 | $1,745.87 |
| Saint Lucie County | $648.88 | $736.47 | $829.26 | $1,158.89 | $1,761.04 |
| Santa Rosa County | $726.41 | $824.47 | $928.35 | $1,297.36 | $1,971.46 |
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.
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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.