Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard
Silver · HMO · WellPoint · Florida
At age 40 it costs between $667.64 and $894.70 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 | 44228FL0040002 |
|---|---|
| Insurer | WellPoint |
| 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 | 1-833-476-1459 · TTY 1-711-000-0000 |
Where it is sold, and what it costs there
24 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 |
|---|---|---|---|---|---|
| Hillsborough County | $522.41 | $592.94 | $667.64 | $933.02 | $1,417.82 |
| Pinellas County | $522.69 | $593.25 | $668 | $933.52 | $1,418.58 |
| Polk County | $528.51 | $599.86 | $675.44 | $943.92 | $1,434.38 |
| Palm Beach County | $539.12 | $611.90 | $689 | $962.87 | $1,463.17 |
| Pasco County | $546.23 | $619.97 | $698.08 | $975.57 | $1,482.47 |
| Martin County | $563.68 | $639.78 | $720.38 | $1,006.73 | $1,529.83 |
| Broward County | $572.66 | $649.97 | $731.86 | $1,022.77 | $1,554.20 |
| Lee County | $573.56 | $650.99 | $733.01 | $1,024.38 | $1,556.64 |
| Orange County | $580.90 | $659.32 | $742.39 | $1,037.49 | $1,576.56 |
| Miami-Dade County | $583.44 | $662.20 | $745.64 | $1,042.02 | $1,583.46 |
| Brevard County | $583.84 | $662.66 | $746.15 | $1,042.74 | $1,584.54 |
| Manatee County | $593.49 | $673.61 | $758.48 | $1,059.97 | $1,610.73 |
| Desoto County | $599.02 | $679.89 | $765.55 | $1,069.85 | $1,625.74 |
| Marion County | $602.01 | $683.28 | $769.37 | $1,075.19 | $1,633.86 |
| Lake County | $604.22 | $685.79 | $772.19 | $1,079.14 | $1,639.85 |
| Sarasota County | $604.27 | $685.85 | $772.26 | $1,079.23 | $1,639.99 |
| Collier County | $608.73 | $690.91 | $777.96 | $1,087.19 | $1,652.09 |
| Seminole County | $611.22 | $693.73 | $781.14 | $1,091.64 | $1,658.85 |
| Volusia County | $615.85 | $698.99 | $787.06 | $1,099.91 | $1,671.42 |
| Hendry County | $616.75 | $700.01 | $788.21 | $1,101.52 | $1,673.86 |
| Osceola County | $628.21 | $713.02 | $802.85 | $1,121.98 | $1,704.96 |
| Indian River County | $634.31 | $719.94 | $810.65 | $1,132.88 | $1,721.52 |
| Saint Lucie County | $675.92 | $767.17 | $863.83 | $1,207.19 | $1,834.45 |
| Hardee County | $700.08 | $794.59 | $894.70 | $1,250.34 | $1,900.02 |
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.