Molina Silver Standard
Silver · HMO · Molina Healthcare · Florida
At age 40 it costs between $694.09 and $991.84 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 | 54172FL0010009 |
|---|---|
| Insurer | Molina Healthcare |
| 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 | 1-888-560-5716 · TTY 1-800-955-8771 |
Where it is sold, and what it costs there
20 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 |
|---|---|---|---|---|---|
| Osceola County | $543.11 | $616.42 | $694.09 | $969.99 | $1,473.99 |
| Marion County | $565.09 | $641.38 | $722.19 | $1,009.26 | $1,533.66 |
| Lake County | $570.41 | $647.42 | $728.99 | $1,018.76 | $1,548.10 |
| Bradford County | $574.27 | $651.79 | $733.91 | $1,025.64 | $1,558.56 |
| Broward County | $578.36 | $656.44 | $739.14 | $1,032.95 | $1,569.66 |
| Baker County | $582.52 | $661.16 | $744.46 | $1,040.38 | $1,580.96 |
| Desoto County | $582.90 | $661.59 | $744.94 | $1,041.06 | $1,581.99 |
| Miami-Dade County | $585.61 | $664.67 | $748.41 | $1,045.90 | $1,589.35 |
| Palm Beach County | $588.64 | $668.11 | $752.28 | $1,051.31 | $1,597.57 |
| Polk County | $611.31 | $693.84 | $781.26 | $1,091.80 | $1,659.10 |
| Hillsborough County | $616.59 | $699.83 | $788 | $1,101.23 | $1,673.43 |
| Pasco County | $621.06 | $704.90 | $793.71 | $1,109.21 | $1,685.55 |
| Collier County | $627.45 | $712.16 | $801.89 | $1,120.63 | $1,702.91 |
| Seminole County | $629.64 | $714.64 | $804.68 | $1,124.54 | $1,708.85 |
| Orange County | $640.49 | $726.96 | $818.55 | $1,143.92 | $1,738.30 |
| Hendry County | $655.98 | $744.53 | $838.34 | $1,171.57 | $1,780.32 |
| Pinellas County | $662.70 | $752.16 | $846.93 | $1,183.58 | $1,798.57 |
| Duval County | $678.32 | $769.89 | $866.89 | $1,211.48 | $1,840.95 |
| Clay County | $686.36 | $779.02 | $877.17 | $1,225.84 | $1,862.78 |
| Hardee County | $776.09 | $880.86 | $991.84 | $1,386.10 | $2,106.31 |
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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When this plan’s price or benefits change.
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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.