Silver Simple Breathe Easy with Enhanced COPD Benefits
Silver · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $656.15 and $928.54 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 | $6,200 | $9,600 | No Charge | $3 |
| up to 150% of the federal poverty level | $0 | $1,450 | No Charge | $3 |
| 150% to 200% | $900 | $2,900 | No Charge | $3 |
| 200% to 250% | $5,200 | $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 | 21525FL0020009 |
|---|---|
| Insurer | Oscar Health Maintenance Organization of Florida |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $6,200 |
| Deductible (family) | $12,400 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,600 |
| Family maximum | $19,200 |
| Primary care visit | No Charge |
| Specialist visit | $40 |
| 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 | $513.43 | $582.73 | $656.15 | $916.96 | $1,393.41 |
| Palm Beach County | $534.10 | $606.19 | $682.57 | $953.88 | $1,449.52 |
| Broward County | $539.83 | $612.69 | $689.88 | $964.11 | $1,465.06 |
| Bay County | $539.92 | $612.80 | $690 | $964.27 | $1,465.31 |
| Duval County | $539.92 | $612.80 | $690 | $964.27 | $1,465.31 |
| Escambia County | $539.92 | $612.80 | $690 | $964.27 | $1,465.31 |
| Miami-Dade County | $540.40 | $613.35 | $690.62 | $965.14 | $1,466.63 |
| Clay County | $556.11 | $631.18 | $710.70 | $993.20 | $1,509.27 |
| Brevard County | $575.10 | $652.73 | $734.96 | $1,027.11 | $1,560.79 |
| Walton County | $578.39 | $656.46 | $739.17 | $1,032.99 | $1,569.73 |
| Saint Johns County | $586.23 | $665.36 | $749.19 | $1,046.99 | $1,591.01 |
| Martin County | $590.96 | $670.73 | $755.24 | $1,055.44 | $1,603.85 |
| Manatee County | $592.15 | $672.07 | $756.75 | $1,057.56 | $1,607.06 |
| Citrus County | $605.76 | $687.53 | $774.15 | $1,081.87 | $1,644.01 |
| Leon County | $621.86 | $705.80 | $794.72 | $1,110.62 | $1,687.70 |
| Okaloosa County | $628.10 | $712.88 | $802.70 | $1,121.77 | $1,704.64 |
| Alachua County | $637.77 | $723.85 | $815.05 | $1,139.03 | $1,730.87 |
| Sarasota County | $643.42 | $730.28 | $822.28 | $1,149.14 | $1,746.23 |
| Saint Lucie County | $649.02 | $736.62 | $829.43 | $1,159.13 | $1,761.41 |
| Santa Rosa County | $726.56 | $824.64 | $928.54 | $1,297.63 | $1,971.87 |
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.