Standard Silver
Silver · HMO · Ambetter Health · Florida
At age 40 it costs between $591.15 and $1,263.70 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 | 49004FL0010006 |
|---|---|
| Insurer | Ambetter Health |
| 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 | 1-877-687-1169 · TTY 1-800-955-8770 |
Where it is sold, and what it costs there
62 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 |
|---|---|---|---|---|---|
| Indian River County | $462.57 | $525 | $591.15 | $826.13 | $1,255.38 |
| Brevard County | $467.54 | $530.65 | $597.50 | $835.01 | $1,268.88 |
| Jefferson County | $488.36 | $554.27 | $624.11 | $872.19 | $1,325.37 |
| Wakulla County | $493.67 | $560.31 | $630.90 | $881.68 | $1,339.80 |
| Calhoun County | $499.45 | $566.86 | $638.28 | $892 | $1,355.48 |
| Leon County | $503.51 | $571.47 | $643.47 | $899.25 | $1,366.50 |
| Sumter County | $503.51 | $571.47 | $643.47 | $899.25 | $1,366.50 |
| Madison County | $510.71 | $579.65 | $652.68 | $912.12 | $1,386.05 |
| Franklin County | $511.34 | $580.36 | $653.48 | $913.24 | $1,387.76 |
| Holmes County | $515.35 | $584.91 | $658.60 | $920.39 | $1,398.62 |
| Liberty County | $521.98 | $592.44 | $667.08 | $932.24 | $1,416.63 |
| Lake County | $523.58 | $594.25 | $669.12 | $935.10 | $1,420.97 |
| Highlands County | $525.58 | $596.52 | $671.68 | $938.67 | $1,426.40 |
| Gadsden County | $531.53 | $603.27 | $679.28 | $949.29 | $1,442.54 |
| Duval County | $533.30 | $605.29 | $681.55 | $952.46 | $1,447.35 |
| Bay County | $534.05 | $606.13 | $682.50 | $953.79 | $1,449.37 |
| Escambia County | $534.62 | $606.78 | $683.23 | $954.81 | $1,450.92 |
| Gulf County | $535.07 | $607.30 | $683.81 | $955.63 | $1,452.16 |
| Polk County | $539.99 | $612.88 | $690.10 | $964.41 | $1,465.51 |
| Hillsborough County | $541.25 | $614.31 | $691.71 | $966.66 | $1,468.93 |
| Pinellas County | $542.22 | $615.41 | $692.95 | $968.39 | $1,471.56 |
| Bradford County | $545.71 | $619.37 | $697.41 | $974.62 | $1,481.03 |
| Saint Johns County | $545.88 | $619.56 | $697.62 | $974.93 | $1,481.50 |
| Osceola County | $546.45 | $620.21 | $698.36 | $975.95 | $1,483.05 |
| Marion County | $547.14 | $620.99 | $699.23 | $977.17 | $1,484.91 |
| Citrus County | $549.48 | $623.65 | $702.23 | $981.36 | $1,491.27 |
| Charlotte County | $549.71 | $623.91 | $702.52 | $981.77 | $1,491.90 |
| Baker County | $550.74 | $625.08 | $703.84 | $983.61 | $1,494.69 |
| Pasco County | $551.09 | $625.47 | $704.27 | $984.22 | $1,495.62 |
| Manatee County | $551.83 | $626.31 | $705.22 | $985.55 | $1,497.64 |
| Walton County | $555.49 | $630.47 | $709.90 | $992.09 | $1,507.57 |
| Desoto County | $557.38 | $632.61 | $712.31 | $995.46 | $1,512.69 |
| Okaloosa County | $558.52 | $633.91 | $713.78 | $997.50 | $1,515.80 |
| Sarasota County | $561.84 | $637.67 | $718.01 | $1,003.42 | $1,524.80 |
| Orange County | $564.01 | $640.14 | $720.79 | $1,007.30 | $1,530.69 |
| Alachua County | $579.22 | $657.40 | $740.23 | $1,034.47 | $1,571.98 |
| Hernando County | $587.05 | $666.30 | $750.24 | $1,048.46 | $1,593.24 |
| Volusia County | $588.20 | $667.59 | $751.70 | $1,050.50 | $1,596.34 |
| Martin County | $589.86 | $669.48 | $753.82 | $1,053.47 | $1,600.84 |
| Putnam County | $601.18 | $682.33 | $768.29 | $1,073.69 | $1,631.57 |
| Jackson County | $604.61 | $686.22 | $772.68 | $1,079.81 | $1,640.88 |
| Levy County | $605.81 | $687.58 | $774.21 | $1,081.96 | $1,644.14 |
| Okeechobee County | $607.07 | $689.01 | $775.82 | $1,084.21 | $1,647.56 |
| Collier County | $608.67 | $690.83 | $777.87 | $1,087.07 | $1,651.90 |
| Lee County | $614.62 | $697.58 | $785.47 | $1,097.69 | $1,668.04 |
| Santa Rosa County | $615.53 | $698.62 | $786.64 | $1,099.32 | $1,670.53 |
| Suwannee County | $620.33 | $704.07 | $792.78 | $1,107.90 | $1,683.56 |
| Gilchrist County | $621.54 | $705.43 | $794.31 | $1,110.04 | $1,686.82 |
| Columbia County | $623.42 | $707.57 | $796.72 | $1,113.42 | $1,691.94 |
| Clay County | $628.63 | $713.48 | $803.37 | $1,122.71 | $1,706.06 |
| Dixie County | $633.49 | $719 | $809.58 | $1,131.39 | $1,719.26 |
| Palm Beach County | $638.23 | $724.38 | $815.65 | $1,139.87 | $1,732.14 |
| Broward County | $651.10 | $738.99 | $832.09 | $1,162.85 | $1,767.06 |
| Nassau County | $651.50 | $739.44 | $832.60 | $1,163.56 | $1,768.14 |
| Glades County | $678.83 | $770.46 | $867.54 | $1,212.38 | $1,842.33 |
| Seminole County | $685.12 | $777.60 | $875.58 | $1,223.61 | $1,859.40 |
| Hardee County | $693.47 | $787.08 | $886.24 | $1,238.52 | $1,882.06 |
| Saint Lucie County | $702.74 | $797.59 | $898.08 | $1,255.07 | $1,907.20 |
| Washington County | $703.31 | $798.24 | $898.81 | $1,256.09 | $1,908.75 |
| Union County | $743.16 | $843.48 | $949.75 | $1,327.27 | $2,016.92 |
| Lafayette County | $775.59 | $880.28 | $991.19 | $1,385.18 | $2,104.92 |
| Hamilton County | $988.82 | $1,122.30 | $1,263.70 | $1,766.02 | $2,683.64 |
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.