Silver Elite
Silver · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $664.80 and $940.78 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 | $9,750 | $25 | $3 |
| up to 150% of the federal poverty level | $0 | $1,500 | No Charge | No Charge |
| 150% to 200% | $0 | $3,500 | $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 | 21525FL0020008 |
|---|---|
| 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 | $9,750 |
| Family maximum | $19,500 |
| 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
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 | $520.20 | $590.41 | $664.80 | $929.05 | $1,411.78 |
| Palm Beach County | $541.14 | $614.18 | $691.57 | $966.46 | $1,468.63 |
| Broward County | $546.94 | $620.77 | $698.98 | $976.82 | $1,484.38 |
| Bay County | $547.04 | $620.87 | $699.10 | $976.99 | $1,484.63 |
| Duval County | $547.04 | $620.87 | $699.10 | $976.99 | $1,484.63 |
| Escambia County | $547.04 | $620.87 | $699.10 | $976.99 | $1,484.63 |
| Miami-Dade County | $547.53 | $621.43 | $699.73 | $977.87 | $1,485.97 |
| Clay County | $563.45 | $639.50 | $720.07 | $1,006.30 | $1,529.17 |
| Brevard County | $582.68 | $661.33 | $744.65 | $1,040.65 | $1,581.37 |
| Walton County | $586.02 | $665.12 | $748.92 | $1,046.61 | $1,590.43 |
| Saint Johns County | $593.96 | $674.14 | $759.07 | $1,060.80 | $1,611.99 |
| Martin County | $598.76 | $679.58 | $765.20 | $1,069.36 | $1,625 |
| Manatee County | $599.95 | $680.94 | $766.73 | $1,071.50 | $1,628.25 |
| Citrus County | $613.75 | $696.59 | $784.36 | $1,096.13 | $1,665.68 |
| Leon County | $630.06 | $715.10 | $805.20 | $1,125.27 | $1,709.95 |
| Okaloosa County | $636.38 | $722.28 | $813.28 | $1,136.56 | $1,727.12 |
| Alachua County | $646.17 | $733.40 | $825.80 | $1,154.05 | $1,753.69 |
| Sarasota County | $651.91 | $739.90 | $833.13 | $1,164.29 | $1,769.25 |
| Saint Lucie County | $657.57 | $746.34 | $840.37 | $1,174.41 | $1,784.63 |
| Santa Rosa County | $736.14 | $835.51 | $940.78 | $1,314.73 | $1,997.87 |
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.