Wellpoint Essential Catastrophic (+ Incentives)
Catastrophic · HMO · WellPoint · Florida
At age 40 it costs between $475.38 and $637.04 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 44228FL0040004 |
|---|---|
| Insurer | WellPoint |
| Metal level | Catastrophic |
| Plan type | HMO |
| Deductible (individual) | $10,600 |
| Deductible (family) | $21,200 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $40 |
| Specialist visit | No Charge after Deductible |
| Emergency room | No Charge after Deductible |
| Inpatient stay | No Charge after Deductible |
| Generic drugs | No Charge after Deductible |
| Preferred brand drugs | No Charge after Deductible |
| Specialty drugs | No Charge 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 | $371.97 | $422.19 | $475.38 | $664.34 | $1,009.53 |
| Pinellas County | $372.17 | $422.41 | $475.63 | $664.70 | $1,010.07 |
| Polk County | $376.31 | $427.11 | $480.92 | $672.09 | $1,021.31 |
| Palm Beach County | $383.87 | $435.69 | $490.59 | $685.59 | $1,041.82 |
| Pasco County | $388.93 | $441.44 | $497.05 | $694.63 | $1,055.56 |
| Martin County | $401.35 | $455.53 | $512.93 | $716.81 | $1,089.26 |
| Broward County | $407.74 | $462.78 | $521.09 | $728.22 | $1,106.61 |
| Lee County | $408.39 | $463.52 | $521.92 | $729.38 | $1,108.37 |
| Orange County | $413.61 | $469.45 | $528.59 | $738.71 | $1,122.54 |
| Miami-Dade County | $415.42 | $471.50 | $530.91 | $741.94 | $1,127.45 |
| Brevard County | $415.70 | $471.82 | $531.26 | $742.44 | $1,128.21 |
| Manatee County | $422.58 | $479.63 | $540.06 | $754.73 | $1,146.88 |
| Desoto County | $426.52 | $484.10 | $545.09 | $761.76 | $1,157.58 |
| Marion County | $428.65 | $486.52 | $547.81 | $765.57 | $1,163.36 |
| Lake County | $430.22 | $488.30 | $549.82 | $768.37 | $1,167.62 |
| Sarasota County | $430.26 | $488.35 | $549.87 | $768.44 | $1,167.73 |
| Collier County | $433.43 | $491.94 | $553.92 | $774.11 | $1,176.33 |
| Seminole County | $435.20 | $493.95 | $556.19 | $777.27 | $1,181.13 |
| Volusia County | $438.50 | $497.70 | $560.40 | $783.16 | $1,190.09 |
| Hendry County | $439.14 | $498.42 | $561.22 | $784.30 | $1,191.83 |
| Osceola County | $447.30 | $507.69 | $571.65 | $798.88 | $1,213.97 |
| Indian River County | $451.64 | $512.61 | $577.20 | $806.63 | $1,225.75 |
| Saint Lucie County | $481.27 | $546.24 | $615.06 | $859.55 | $1,306.17 |
| Hardee County | $498.47 | $565.76 | $637.04 | $890.27 | $1,352.85 |
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.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
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.