Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)
Silver · HMO · WellPoint · Florida
At age 40 it costs between $662.94 and $888.40 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 | 44228FL0040013 |
|---|---|
| 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 | Yes |
| Child dental included | No |
| Share of premium buying essential health benefits | 98.60% |
| 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 | $518.73 | $588.76 | $662.94 | $926.45 | $1,407.83 |
| Pinellas County | $519.01 | $589.08 | $663.29 | $926.95 | $1,408.59 |
| Polk County | $524.78 | $595.63 | $670.67 | $937.26 | $1,424.25 |
| Palm Beach County | $535.32 | $607.59 | $684.14 | $956.08 | $1,452.86 |
| Pasco County | $542.38 | $615.60 | $693.16 | $968.69 | $1,472.02 |
| Martin County | $559.71 | $635.27 | $715.31 | $999.64 | $1,519.05 |
| Broward County | $568.62 | $645.38 | $726.70 | $1,015.56 | $1,543.23 |
| Lee County | $569.52 | $646.41 | $727.85 | $1,017.16 | $1,545.68 |
| Orange County | $576.80 | $654.67 | $737.15 | $1,030.16 | $1,565.44 |
| Miami-Dade County | $579.33 | $657.54 | $740.38 | $1,034.68 | $1,572.30 |
| Brevard County | $579.72 | $657.98 | $740.88 | $1,035.38 | $1,573.36 |
| Manatee County | $589.31 | $668.87 | $753.14 | $1,052.51 | $1,599.39 |
| Desoto County | $594.80 | $675.10 | $760.15 | $1,062.31 | $1,614.29 |
| Marion County | $597.77 | $678.47 | $763.95 | $1,067.62 | $1,622.35 |
| Lake County | $599.96 | $680.95 | $766.75 | $1,071.53 | $1,628.29 |
| Sarasota County | $600.01 | $681.01 | $766.81 | $1,071.62 | $1,628.43 |
| Collier County | $604.44 | $686.04 | $772.47 | $1,079.53 | $1,640.45 |
| Seminole County | $606.91 | $688.84 | $775.63 | $1,083.94 | $1,647.15 |
| Volusia County | $611.50 | $694.05 | $781.50 | $1,092.14 | $1,659.61 |
| Hendry County | $612.40 | $695.07 | $782.65 | $1,093.75 | $1,662.05 |
| Osceola County | $623.78 | $707.99 | $797.19 | $1,114.07 | $1,692.94 |
| Indian River County | $629.84 | $714.87 | $804.94 | $1,124.89 | $1,709.39 |
| Saint Lucie County | $671.15 | $761.76 | $857.73 | $1,198.67 | $1,821.50 |
| Hardee County | $695.15 | $789 | $888.40 | $1,241.54 | $1,886.64 |
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.