Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Silver · HMO · WellPoint · Florida
At age 40 it costs between $655.96 and $879.06 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 | $1,850 | $9,100 | $10 | $10 |
| up to 150% of the federal poverty level | $0 | $1,100 | No Charge | $5 |
| 150% to 200% | $300 | $3,050 | No Charge | $5 |
| 200% to 250% | $1,600 | $7,200 | $10 | $10 |
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 | 44228FL0040011 |
|---|---|
| Insurer | WellPoint |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $1,850 |
| Deductible (family) | $3,700 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,100 |
| Family maximum | $18,200 |
| Primary care visit | $10 |
| Specialist visit | 50% Coinsurance after deductible |
| Emergency room | $500 Copay after deductible and 50% Coinsurance after deductible |
| Inpatient stay | $500 Copay per Stay after deductible and 50% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $50 |
| 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 | 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 | $513.27 | $582.56 | $655.96 | $916.70 | $1,393.01 |
| Pinellas County | $513.55 | $582.88 | $656.32 | $917.20 | $1,393.77 |
| Polk County | $519.26 | $589.36 | $663.61 | $927.40 | $1,409.27 |
| Palm Beach County | $529.69 | $601.20 | $676.94 | $946.03 | $1,437.58 |
| Pasco County | $536.68 | $609.13 | $685.88 | $958.51 | $1,456.55 |
| Martin County | $553.82 | $628.59 | $707.78 | $989.12 | $1,503.07 |
| Broward County | $562.64 | $638.60 | $719.05 | $1,004.88 | $1,527 |
| Lee County | $563.53 | $639.61 | $720.19 | $1,006.46 | $1,529.42 |
| Orange County | $570.74 | $647.79 | $729.41 | $1,019.34 | $1,548.99 |
| Miami-Dade County | $573.24 | $650.63 | $732.60 | $1,023.81 | $1,555.77 |
| Brevard County | $573.62 | $651.06 | $733.09 | $1,024.49 | $1,556.80 |
| Manatee County | $583.11 | $661.83 | $745.21 | $1,041.43 | $1,582.56 |
| Desoto County | $588.55 | $668 | $752.17 | $1,051.15 | $1,597.32 |
| Marion County | $591.49 | $671.34 | $755.92 | $1,056.40 | $1,605.30 |
| Lake County | $593.65 | $673.79 | $758.68 | $1,060.26 | $1,611.17 |
| Sarasota County | $593.70 | $673.85 | $758.75 | $1,060.35 | $1,611.30 |
| Collier County | $598.09 | $678.83 | $764.36 | $1,068.19 | $1,623.22 |
| Seminole County | $600.53 | $681.60 | $767.48 | $1,072.55 | $1,629.84 |
| Volusia County | $605.08 | $686.77 | $773.29 | $1,080.67 | $1,642.19 |
| Hendry County | $605.96 | $687.76 | $774.42 | $1,082.24 | $1,644.58 |
| Osceola County | $617.22 | $700.54 | $788.81 | $1,102.35 | $1,675.14 |
| Indian River County | $623.22 | $707.35 | $796.48 | $1,113.07 | $1,691.42 |
| Saint Lucie County | $664.10 | $753.75 | $848.72 | $1,186.08 | $1,802.37 |
| Hardee County | $687.84 | $780.70 | $879.06 | $1,228.48 | $1,866.80 |
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.