Focused Silver
Silver · HMO · Ambetter Health · Florida
At age 40 it costs between $598.27 and $1,278.94 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 | $6,300 | $8,400 | $40 | $3 |
| up to 150% of the federal poverty level | $0 | $1,500 | No Charge | No Charge |
| 150% to 200% | $0 | $3,350 | $20 | $3 |
| 200% to 250% | $5,150 | $7,200 | $35 | $3 |
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 | 49004FL0010007 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $6,300 |
| Deductible (family) | $12,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,400 |
| Family maximum | $16,800 |
| Primary care visit | $40 |
| Specialist visit | $85 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 |
| 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 | 1-877-687-1169 · 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 | $468.14 | $531.33 | $598.27 | $836.09 | $1,270.51 |
| Brevard County | $473.18 | $537.05 | $604.71 | $845.08 | $1,284.18 |
| Jefferson County | $494.24 | $560.96 | $631.63 | $882.70 | $1,341.35 |
| Wakulla County | $499.63 | $567.06 | $638.51 | $892.31 | $1,355.96 |
| Calhoun County | $505.47 | $573.70 | $645.98 | $902.75 | $1,371.82 |
| Leon County | $509.58 | $578.36 | $651.23 | $910.09 | $1,382.97 |
| Sumter County | $509.58 | $578.36 | $651.23 | $910.09 | $1,382.97 |
| Madison County | $516.87 | $586.64 | $660.55 | $923.12 | $1,402.76 |
| Franklin County | $517.51 | $587.36 | $661.36 | $924.25 | $1,404.49 |
| Holmes County | $521.56 | $591.96 | $666.54 | $931.49 | $1,415.49 |
| Liberty County | $528.27 | $599.58 | $675.12 | $943.48 | $1,433.70 |
| Lake County | $529.89 | $601.42 | $677.19 | $946.37 | $1,438.10 |
| Highlands County | $531.92 | $603.72 | $679.78 | $949.99 | $1,443.60 |
| Gadsden County | $537.94 | $610.55 | $687.47 | $960.74 | $1,459.94 |
| Duval County | $539.73 | $612.58 | $689.76 | $963.94 | $1,464.80 |
| Bay County | $540.48 | $613.44 | $690.73 | $965.29 | $1,466.85 |
| Escambia County | $541.06 | $614.09 | $691.47 | $966.32 | $1,468.42 |
| Gulf County | $541.53 | $614.62 | $692.06 | $967.15 | $1,469.67 |
| Polk County | $546.50 | $620.27 | $698.42 | $976.04 | $1,483.18 |
| Hillsborough County | $547.78 | $621.71 | $700.04 | $978.31 | $1,486.64 |
| Pinellas County | $548.76 | $622.83 | $701.30 | $980.07 | $1,489.31 |
| Bradford County | $552.29 | $626.84 | $705.81 | $986.37 | $1,498.89 |
| Saint Johns County | $552.46 | $627.03 | $706.04 | $986.68 | $1,499.36 |
| Osceola County | $553.04 | $627.69 | $706.78 | $987.72 | $1,500.93 |
| Marion County | $553.74 | $628.48 | $707.66 | $988.96 | $1,502.81 |
| Citrus County | $556.11 | $631.17 | $710.70 | $993.19 | $1,509.25 |
| Charlotte County | $556.34 | $631.44 | $710.99 | $993.61 | $1,509.88 |
| Baker County | $557.38 | $632.62 | $712.32 | $995.47 | $1,512.71 |
| Pasco County | $557.73 | $633.01 | $712.77 | $996.09 | $1,513.65 |
| Manatee County | $558.48 | $633.87 | $713.73 | $997.43 | $1,515.69 |
| Walton County | $562.19 | $638.07 | $718.46 | $1,004.05 | $1,525.75 |
| Desoto County | $564.10 | $640.24 | $720.90 | $1,007.46 | $1,530.93 |
| Okaloosa County | $565.25 | $641.55 | $722.38 | $1,009.52 | $1,534.07 |
| Sarasota County | $568.61 | $645.36 | $726.67 | $1,015.52 | $1,543.18 |
| Orange County | $570.81 | $647.86 | $729.48 | $1,019.45 | $1,549.15 |
| Alachua County | $586.20 | $665.33 | $749.16 | $1,046.94 | $1,590.93 |
| Hernando County | $594.13 | $674.33 | $759.29 | $1,061.10 | $1,612.45 |
| Volusia County | $595.29 | $675.64 | $760.77 | $1,063.17 | $1,615.59 |
| Martin County | $596.97 | $677.55 | $762.91 | $1,066.17 | $1,620.14 |
| Putnam County | $608.43 | $690.55 | $777.56 | $1,086.63 | $1,651.24 |
| Jackson County | $611.90 | $694.49 | $781.99 | $1,092.83 | $1,660.67 |
| Levy County | $613.11 | $695.87 | $783.55 | $1,095 | $1,663.96 |
| Okeechobee County | $614.39 | $697.32 | $785.17 | $1,097.28 | $1,667.42 |
| Collier County | $616.01 | $699.16 | $787.25 | $1,100.17 | $1,671.82 |
| Lee County | $622.03 | $705.99 | $794.94 | $1,110.92 | $1,688.15 |
| Santa Rosa County | $622.95 | $707.04 | $796.12 | $1,112.58 | $1,690.67 |
| Suwannee County | $627.81 | $712.56 | $802.33 | $1,121.26 | $1,703.86 |
| Gilchrist County | $629.03 | $713.94 | $803.89 | $1,123.43 | $1,707.16 |
| Columbia County | $630.94 | $716.10 | $806.33 | $1,126.84 | $1,712.34 |
| Clay County | $636.21 | $722.08 | $813.06 | $1,136.25 | $1,726.63 |
| Dixie County | $641.12 | $727.67 | $819.34 | $1,145.03 | $1,739.99 |
| Palm Beach County | $645.93 | $733.12 | $825.48 | $1,153.61 | $1,753.02 |
| Broward County | $658.95 | $747.90 | $842.12 | $1,176.87 | $1,788.36 |
| Nassau County | $659.35 | $748.36 | $842.64 | $1,177.59 | $1,789.46 |
| Glades County | $687.02 | $779.75 | $878 | $1,227 | $1,864.54 |
| Seminole County | $693.38 | $786.98 | $886.13 | $1,238.37 | $1,881.82 |
| Hardee County | $701.83 | $796.57 | $896.93 | $1,253.46 | $1,904.75 |
| Saint Lucie County | $711.21 | $807.21 | $908.91 | $1,270.20 | $1,930.19 |
| Washington County | $711.79 | $807.87 | $909.65 | $1,271.23 | $1,931.76 |
| Union County | $752.12 | $853.65 | $961.20 | $1,343.28 | $2,041.24 |
| Lafayette County | $784.94 | $890.89 | $1,003.14 | $1,401.88 | $2,130.30 |
| Hamilton County | $1,000.75 | $1,135.84 | $1,278.94 | $1,787.31 | $2,716 |
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.