Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Silver · HMO · WellPoint · Florida
At age 40 it costs between $653.34 and $875.53 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 | $3,500 | $10,150 | $25 | $10 |
| up to 150% of the federal poverty level | $50 | $1,100 | No Charge | $5 |
| 150% to 200% | $600 | $2,850 | No Charge | $5 |
| 200% to 250% | $2,900 | $8,100 | $25 | $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 | 44228FL0040012 |
|---|---|
| Insurer | WellPoint |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $25 |
| Specialist visit | $80 |
| Emergency room | $500 Copay after deductible and 40% Coinsurance after deductible |
| Inpatient stay | $500 Copay per Stay after deductible and 40% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $40 |
| 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 | $511.22 | $580.23 | $653.34 | $913.04 | $1,387.45 |
| Pinellas County | $511.49 | $580.54 | $653.68 | $913.52 | $1,388.18 |
| Polk County | $517.18 | $587 | $660.96 | $923.68 | $1,403.63 |
| Palm Beach County | $527.57 | $598.79 | $674.23 | $942.24 | $1,431.82 |
| Pasco County | $534.53 | $606.69 | $683.13 | $954.67 | $1,450.71 |
| Martin County | $551.60 | $626.07 | $704.94 | $985.16 | $1,497.04 |
| Broward County | $560.39 | $636.04 | $716.18 | $1,000.86 | $1,520.90 |
| Lee County | $561.27 | $637.04 | $717.30 | $1,002.43 | $1,523.29 |
| Orange County | $568.45 | $645.19 | $726.48 | $1,015.25 | $1,542.77 |
| Miami-Dade County | $570.94 | $648.02 | $729.66 | $1,019.70 | $1,549.53 |
| Brevard County | $571.33 | $648.46 | $730.16 | $1,020.40 | $1,550.59 |
| Manatee County | $580.77 | $659.17 | $742.22 | $1,037.26 | $1,576.21 |
| Desoto County | $586.19 | $665.33 | $749.15 | $1,046.94 | $1,590.92 |
| Marion County | $589.12 | $668.65 | $752.90 | $1,052.17 | $1,598.87 |
| Lake County | $591.27 | $671.09 | $755.64 | $1,056.01 | $1,604.71 |
| Sarasota County | $591.33 | $671.16 | $755.72 | $1,056.12 | $1,604.87 |
| Collier County | $595.69 | $676.11 | $761.29 | $1,063.90 | $1,616.70 |
| Seminole County | $598.12 | $678.87 | $764.40 | $1,068.24 | $1,623.30 |
| Volusia County | $602.65 | $684.01 | $770.19 | $1,076.33 | $1,635.59 |
| Hendry County | $603.54 | $685.02 | $771.32 | $1,077.92 | $1,638.01 |
| Osceola County | $614.75 | $697.74 | $785.65 | $1,097.94 | $1,668.43 |
| Indian River County | $620.72 | $704.52 | $793.28 | $1,108.61 | $1,684.63 |
| Saint Lucie County | $661.44 | $750.73 | $845.32 | $1,181.33 | $1,795.15 |
| Hardee County | $685.08 | $777.57 | $875.53 | $1,223.55 | $1,859.31 |
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.