Standard Silver + Vision + Adult Dental
Silver · HMO · Ambetter Health · Florida
At age 40 it costs between $607.14 and $1,297.89 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 | 49004FL0020027 |
|---|---|
| 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 | Yes |
| Child dental included | No |
| Share of premium buying essential health benefits | 97.37% |
| 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 | $475.08 | $539.21 | $607.14 | $848.48 | $1,289.34 |
| Brevard County | $480.19 | $545 | $613.67 | $857.60 | $1,303.21 |
| Jefferson County | $501.57 | $569.27 | $640.99 | $895.78 | $1,361.23 |
| Wakulla County | $507.03 | $575.47 | $647.97 | $905.54 | $1,376.05 |
| Calhoun County | $512.96 | $582.20 | $655.55 | $916.13 | $1,392.15 |
| Leon County | $517.13 | $586.93 | $660.88 | $923.58 | $1,403.47 |
| Sumter County | $517.13 | $586.93 | $660.88 | $923.58 | $1,403.47 |
| Madison County | $524.53 | $595.33 | $670.34 | $936.80 | $1,423.55 |
| Franklin County | $525.18 | $596.07 | $671.16 | $937.95 | $1,425.30 |
| Holmes County | $529.29 | $600.73 | $676.42 | $945.29 | $1,436.46 |
| Liberty County | $536.10 | $608.46 | $685.12 | $957.46 | $1,454.95 |
| Lake County | $537.75 | $610.33 | $687.23 | $960.40 | $1,459.42 |
| Highlands County | $539.80 | $612.66 | $689.85 | $964.07 | $1,464.99 |
| Gadsden County | $545.91 | $619.60 | $697.66 | $974.98 | $1,481.57 |
| Duval County | $547.73 | $621.66 | $699.99 | $978.23 | $1,486.51 |
| Bay County | $548.49 | $622.53 | $700.96 | $979.59 | $1,488.58 |
| Escambia County | $549.08 | $623.20 | $701.71 | $980.64 | $1,490.18 |
| Gulf County | $549.55 | $623.73 | $702.31 | $981.48 | $1,491.45 |
| Polk County | $554.60 | $629.46 | $708.77 | $990.50 | $1,505.16 |
| Hillsborough County | $555.89 | $630.93 | $710.42 | $992.81 | $1,508.67 |
| Pinellas County | $556.89 | $632.06 | $711.70 | $994.59 | $1,511.38 |
| Bradford County | $560.47 | $636.13 | $716.27 | $1,000.99 | $1,521.10 |
| Saint Johns County | $560.65 | $636.33 | $716.50 | $1,001.30 | $1,521.58 |
| Osceola County | $561.24 | $636.99 | $717.25 | $1,002.35 | $1,523.17 |
| Marion County | $561.94 | $637.79 | $718.15 | $1,003.61 | $1,525.09 |
| Citrus County | $564.35 | $640.53 | $721.23 | $1,007.91 | $1,531.62 |
| Charlotte County | $564.59 | $640.79 | $721.53 | $1,008.33 | $1,532.26 |
| Baker County | $565.64 | $641.99 | $722.88 | $1,010.22 | $1,535.13 |
| Pasco County | $566 | $642.39 | $723.33 | $1,010.85 | $1,536.08 |
| Manatee County | $566.76 | $643.26 | $724.30 | $1,012.21 | $1,538.16 |
| Walton County | $570.52 | $647.53 | $729.11 | $1,018.93 | $1,548.36 |
| Desoto County | $572.46 | $649.73 | $731.59 | $1,022.39 | $1,553.62 |
| Okaloosa County | $573.63 | $651.06 | $733.09 | $1,024.49 | $1,556.81 |
| Sarasota County | $577.04 | $654.93 | $737.44 | $1,030.57 | $1,566.05 |
| Orange County | $579.27 | $657.46 | $740.29 | $1,034.56 | $1,572.11 |
| Alachua County | $594.89 | $675.19 | $760.26 | $1,062.46 | $1,614.51 |
| Hernando County | $602.94 | $684.32 | $770.54 | $1,076.83 | $1,636.34 |
| Volusia County | $604.11 | $685.66 | $772.04 | $1,078.93 | $1,639.53 |
| Martin County | $605.81 | $687.59 | $774.22 | $1,081.97 | $1,644.15 |
| Putnam County | $617.44 | $700.79 | $789.08 | $1,102.74 | $1,675.71 |
| Jackson County | $620.97 | $704.79 | $793.58 | $1,109.03 | $1,685.28 |
| Levy County | $622.20 | $706.19 | $795.16 | $1,111.23 | $1,688.62 |
| Okeechobee County | $623.49 | $707.65 | $796.81 | $1,113.54 | $1,692.13 |
| Collier County | $625.14 | $709.52 | $798.91 | $1,116.48 | $1,696.59 |
| Lee County | $631.24 | $716.45 | $806.72 | $1,127.39 | $1,713.17 |
| Santa Rosa County | $632.18 | $717.52 | $807.92 | $1,129.06 | $1,715.72 |
| Suwannee County | $637.12 | $723.12 | $814.22 | $1,137.87 | $1,729.11 |
| Gilchrist County | $638.35 | $724.52 | $815.80 | $1,140.08 | $1,732.46 |
| Columbia County | $640.29 | $726.72 | $818.28 | $1,143.54 | $1,737.72 |
| Clay County | $645.63 | $732.78 | $825.11 | $1,153.08 | $1,752.22 |
| Dixie County | $650.63 | $738.45 | $831.49 | $1,162 | $1,765.77 |
| Palm Beach County | $655.50 | $743.98 | $837.72 | $1,170.71 | $1,779 |
| Broward County | $668.71 | $758.98 | $854.60 | $1,194.31 | $1,814.86 |
| Nassau County | $669.13 | $759.45 | $855.13 | $1,195.04 | $1,815.98 |
| Glades County | $697.20 | $791.31 | $891.01 | $1,245.18 | $1,892.17 |
| Seminole County | $703.66 | $798.64 | $899.26 | $1,256.72 | $1,909.70 |
| Hardee County | $712.23 | $808.37 | $910.22 | $1,272.03 | $1,932.98 |
| Saint Lucie County | $721.75 | $819.17 | $922.38 | $1,289.02 | $1,958.80 |
| Washington County | $722.34 | $819.84 | $923.13 | $1,290.07 | $1,960.39 |
| Union County | $763.27 | $866.30 | $975.45 | $1,363.18 | $2,071.49 |
| Lafayette County | $796.57 | $904.10 | $1,018 | $1,422.66 | $2,161.87 |
| Hamilton County | $1,015.58 | $1,152.67 | $1,297.89 | $1,813.80 | $2,756.25 |
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.