UHC Silver Standard
Silver · HMO · UnitedHealthcare · Florida
At age 40 it costs between $748.75 and $1,176.26 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 | 68398FL0030040 |
|---|---|
| Insurer | UnitedHealthcare |
| 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 | Yes |
| 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 | 1-888-200-0405 · TTY 1-888-200-0405 |
Where it is sold, and what it costs there
32 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 |
|---|---|---|---|---|---|
| Lee County | $585.88 | $664.97 | $748.75 | $1,046.38 | $1,590.07 |
| Palm Beach County | $615.91 | $699.05 | $787.13 | $1,100.01 | $1,671.57 |
| Miami-Dade County | $616.64 | $699.89 | $788.07 | $1,101.32 | $1,673.57 |
| Broward County | $618.24 | $701.71 | $790.12 | $1,104.18 | $1,677.91 |
| Liberty County | $627 | $711.65 | $801.31 | $1,119.82 | $1,701.68 |
| Escambia County | $635.11 | $720.85 | $811.67 | $1,134.30 | $1,723.68 |
| Santa Rosa County | $650.36 | $738.16 | $831.16 | $1,161.54 | $1,765.08 |
| Lake County | $663.18 | $752.70 | $847.54 | $1,184.43 | $1,799.86 |
| Hendry County | $668.28 | $758.49 | $854.06 | $1,193.54 | $1,813.70 |
| Orange County | $671.22 | $761.84 | $857.82 | $1,198.80 | $1,821.69 |
| Madison County | $671.39 | $762.03 | $858.04 | $1,199.11 | $1,822.16 |
| Wakulla County | $672.81 | $763.64 | $859.85 | $1,201.64 | $1,826 |
| Leon County | $674.55 | $765.62 | $862.08 | $1,204.76 | $1,830.74 |
| Glades County | $676.36 | $767.67 | $864.39 | $1,207.98 | $1,835.64 |
| Hillsborough County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Seminole County | $681.01 | $772.94 | $870.33 | $1,216.28 | $1,848.25 |
| Osceola County | $683.09 | $775.30 | $872.99 | $1,219.99 | $1,853.90 |
| Volusia County | $686.07 | $778.69 | $876.79 | $1,225.31 | $1,861.98 |
| Gadsden County | $692.94 | $786.49 | $885.58 | $1,237.59 | $1,880.64 |
| Manatee County | $694.03 | $787.73 | $886.97 | $1,239.54 | $1,883.60 |
| Flagler County | $694.22 | $787.94 | $887.22 | $1,239.88 | $1,884.12 |
| Calhoun County | $695.33 | $789.20 | $888.63 | $1,241.86 | $1,887.13 |
| Pasco County | $704.99 | $800.16 | $900.98 | $1,259.11 | $1,913.34 |
| Jefferson County | $708.15 | $803.75 | $905.01 | $1,264.75 | $1,921.91 |
| Collier County | $708.23 | $803.84 | $905.11 | $1,264.89 | $1,922.12 |
| Brevard County | $710.93 | $806.90 | $908.56 | $1,269.72 | $1,929.46 |
| Marion County | $717.90 | $814.82 | $917.48 | $1,282.18 | $1,948.39 |
| Desoto County | $721.70 | $819.13 | $922.33 | $1,288.96 | $1,958.69 |
| Taylor County | $727.68 | $825.91 | $929.97 | $1,299.63 | $1,974.91 |
| Polk County | $744.48 | $844.98 | $951.44 | $1,329.64 | $2,020.52 |
| Highlands County | $909.87 | $1,032.70 | $1,162.81 | $1,625.02 | $2,469.38 |
| Hardee County | $920.40 | $1,044.65 | $1,176.26 | $1,643.83 | $2,497.95 |
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.