Clarity Silver
Silver · HMO · Ambetter Health · Florida
At age 40 it costs between $554.22 and $1,184.76 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 | $8,000 | $8,400 | $50 | $3 |
| up to 150% of the federal poverty level | $0 | $1,300 | $5 | No Charge |
| 150% to 200% | $800 | $2,800 | $25 | $3 |
| 200% to 250% | $3,200 | $7,400 | $40 | $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 | 49004FL0010031 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $8,000 |
| Deductible (family) | $16,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,400 |
| Family maximum | $16,800 |
| Primary care visit | $50 |
| Specialist visit | $90 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $85 Copay after deductible |
| 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 | $433.67 | $492.20 | $554.22 | $774.51 | $1,176.95 |
| Brevard County | $438.33 | $497.50 | $560.18 | $782.85 | $1,189.61 |
| Jefferson County | $457.85 | $519.65 | $585.12 | $817.70 | $1,242.57 |
| Wakulla County | $462.83 | $525.30 | $591.49 | $826.60 | $1,256.10 |
| Calhoun County | $468.25 | $531.45 | $598.41 | $836.27 | $1,270.80 |
| Leon County | $472.05 | $535.77 | $603.27 | $843.07 | $1,281.13 |
| Sumter County | $472.05 | $535.77 | $603.27 | $843.07 | $1,281.13 |
| Madison County | $478.81 | $543.44 | $611.91 | $855.14 | $1,299.46 |
| Franklin County | $479.40 | $544.11 | $612.66 | $856.19 | $1,301.06 |
| Holmes County | $483.15 | $548.37 | $617.46 | $862.89 | $1,311.25 |
| Liberty County | $489.37 | $555.42 | $625.40 | $874 | $1,328.13 |
| Lake County | $490.87 | $557.13 | $627.32 | $876.68 | $1,332.20 |
| Highlands County | $492.75 | $559.26 | $629.72 | $880.03 | $1,337.29 |
| Gadsden County | $498.32 | $565.59 | $636.85 | $889.99 | $1,352.42 |
| Duval County | $499.99 | $567.47 | $638.97 | $892.96 | $1,356.93 |
| Bay County | $500.68 | $568.26 | $639.86 | $894.20 | $1,358.83 |
| Escambia County | $501.22 | $568.87 | $640.54 | $895.16 | $1,360.28 |
| Gulf County | $501.65 | $569.36 | $641.09 | $895.92 | $1,361.44 |
| Polk County | $506.26 | $574.59 | $646.99 | $904.16 | $1,373.96 |
| Hillsborough County | $507.44 | $575.93 | $648.49 | $906.27 | $1,377.16 |
| Pinellas County | $508.35 | $576.96 | $649.66 | $907.89 | $1,379.63 |
| Bradford County | $511.62 | $580.68 | $653.84 | $913.73 | $1,388.51 |
| Saint Johns County | $511.78 | $580.86 | $654.04 | $914.02 | $1,388.94 |
| Osceola County | $512.32 | $581.47 | $654.73 | $914.98 | $1,390.40 |
| Marion County | $512.96 | $582.20 | $655.55 | $916.13 | $1,392.15 |
| Citrus County | $515.16 | $584.69 | $658.36 | $920.05 | $1,398.11 |
| Charlotte County | $515.37 | $584.94 | $658.63 | $920.44 | $1,398.69 |
| Baker County | $516.34 | $586.03 | $659.87 | $922.16 | $1,401.31 |
| Pasco County | $516.66 | $586.40 | $660.28 | $922.73 | $1,402.18 |
| Manatee County | $517.36 | $587.19 | $661.17 | $923.98 | $1,404.08 |
| Walton County | $520.79 | $591.08 | $665.55 | $930.11 | $1,413.39 |
| Desoto County | $522.56 | $593.09 | $667.81 | $933.27 | $1,418.19 |
| Okaloosa County | $523.63 | $594.31 | $669.18 | $935.18 | $1,421.10 |
| Sarasota County | $526.74 | $597.84 | $673.16 | $940.74 | $1,429.54 |
| Orange County | $528.77 | $600.15 | $675.76 | $944.37 | $1,435.07 |
| Alachua County | $543.04 | $616.33 | $693.99 | $969.84 | $1,473.77 |
| Hernando County | $550.38 | $624.67 | $703.37 | $982.96 | $1,493.70 |
| Volusia County | $551.45 | $625.89 | $704.74 | $984.88 | $1,496.61 |
| Martin County | $553.01 | $627.65 | $706.73 | $987.65 | $1,500.83 |
| Putnam County | $563.62 | $639.70 | $720.30 | $1,006.61 | $1,529.64 |
| Jackson County | $566.84 | $643.35 | $724.41 | $1,012.36 | $1,538.37 |
| Levy County | $567.96 | $644.63 | $725.85 | $1,014.37 | $1,541.43 |
| Okeechobee County | $569.14 | $645.97 | $727.35 | $1,016.47 | $1,544.63 |
| Collier County | $570.64 | $647.67 | $729.27 | $1,019.15 | $1,548.70 |
| Lee County | $576.22 | $654 | $736.40 | $1,029.11 | $1,563.84 |
| Santa Rosa County | $577.08 | $654.97 | $737.49 | $1,030.64 | $1,566.16 |
| Suwannee County | $581.58 | $660.08 | $743.25 | $1,038.69 | $1,578.39 |
| Gilchrist County | $582.71 | $661.36 | $744.69 | $1,040.70 | $1,581.44 |
| Columbia County | $584.48 | $663.37 | $746.95 | $1,043.86 | $1,586.24 |
| Clay County | $589.36 | $668.91 | $753.18 | $1,052.57 | $1,599.48 |
| Dixie County | $593.91 | $674.08 | $759.01 | $1,060.71 | $1,611.85 |
| Palm Beach County | $598.36 | $679.13 | $764.69 | $1,068.66 | $1,623.93 |
| Broward County | $610.42 | $692.82 | $780.11 | $1,090.20 | $1,656.66 |
| Nassau County | $610.80 | $693.25 | $780.59 | $1,090.87 | $1,657.68 |
| Glades County | $636.43 | $722.33 | $813.34 | $1,136.64 | $1,727.23 |
| Seminole County | $642.32 | $729.03 | $820.88 | $1,147.17 | $1,743.24 |
| Hardee County | $650.15 | $737.91 | $830.88 | $1,161.15 | $1,764.48 |
| Saint Lucie County | $658.83 | $747.77 | $841.98 | $1,176.66 | $1,788.05 |
| Washington County | $659.37 | $748.37 | $842.66 | $1,177.62 | $1,789.51 |
| Union County | $696.74 | $790.79 | $890.42 | $1,244.36 | $1,890.92 |
| Lafayette County | $727.14 | $825.29 | $929.27 | $1,298.65 | $1,973.42 |
| Hamilton County | $927.05 | $1,052.19 | $1,184.76 | $1,655.69 | $2,515.99 |
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.