UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx)
Silver · HMO · UnitedHealthcare · Florida
At age 40 it costs between $712.73 and $1,119.67 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 | $4,500 | $9,900 | $35 | $5 |
| up to 150% of the federal poverty level | $0 | $2,150 | $1 | $2 |
| 150% to 200% | $700 | $3,500 | $10 | $5 |
| 200% to 250% | $3,500 | $8,300 | $25 | $5 |
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 | 68398FL0030046 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $4,500 |
| Deductible (family) | $9,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,900 |
| Family maximum | $19,800 |
| Primary care visit | $35 |
| Specialist visit | $65 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $5 |
| Preferred brand drugs | $100 Copay after deductible |
| Specialty drugs | 50% Coinsurance 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 | $557.69 | $632.98 | $712.73 | $996.04 | $1,513.57 |
| Palm Beach County | $586.27 | $665.42 | $749.26 | $1,047.08 | $1,591.15 |
| Miami-Dade County | $586.98 | $666.22 | $750.16 | $1,048.34 | $1,593.05 |
| Broward County | $588.50 | $667.95 | $752.10 | $1,051.06 | $1,597.19 |
| Liberty County | $596.84 | $677.41 | $762.76 | $1,065.95 | $1,619.81 |
| Escambia County | $604.55 | $686.16 | $772.62 | $1,079.73 | $1,640.75 |
| Santa Rosa County | $619.07 | $702.64 | $791.17 | $1,105.66 | $1,680.16 |
| Lake County | $631.27 | $716.49 | $806.76 | $1,127.45 | $1,713.27 |
| Hendry County | $636.12 | $722 | $812.97 | $1,136.12 | $1,726.44 |
| Orange County | $638.93 | $725.18 | $816.55 | $1,141.13 | $1,734.05 |
| Madison County | $639.09 | $725.37 | $816.76 | $1,141.42 | $1,734.49 |
| Wakulla County | $640.44 | $726.90 | $818.48 | $1,143.82 | $1,738.15 |
| Leon County | $642.10 | $728.79 | $820.61 | $1,146.79 | $1,742.66 |
| Glades County | $643.82 | $730.74 | $822.80 | $1,149.86 | $1,747.33 |
| Hillsborough County | $646.40 | $733.67 | $826.10 | $1,154.48 | $1,754.34 |
| Seminole County | $648.24 | $735.75 | $828.45 | $1,157.76 | $1,759.33 |
| Osceola County | $650.22 | $738 | $830.99 | $1,161.30 | $1,764.71 |
| Volusia County | $653.06 | $741.22 | $834.61 | $1,166.36 | $1,772.40 |
| Gadsden County | $659.60 | $748.65 | $842.97 | $1,178.05 | $1,790.16 |
| Manatee County | $660.64 | $749.83 | $844.30 | $1,179.91 | $1,792.98 |
| Flagler County | $660.82 | $750.03 | $844.53 | $1,180.23 | $1,793.48 |
| Calhoun County | $661.88 | $751.23 | $845.88 | $1,182.11 | $1,796.34 |
| Pasco County | $671.07 | $761.67 | $857.63 | $1,198.54 | $1,821.29 |
| Jefferson County | $674.08 | $765.08 | $861.47 | $1,203.90 | $1,829.44 |
| Collier County | $674.15 | $765.16 | $861.57 | $1,204.04 | $1,829.65 |
| Brevard County | $676.72 | $768.08 | $864.85 | $1,208.63 | $1,836.63 |
| Marion County | $683.37 | $775.62 | $873.34 | $1,220.49 | $1,854.65 |
| Desoto County | $686.98 | $779.72 | $877.96 | $1,226.94 | $1,864.46 |
| Taylor County | $692.67 | $786.18 | $885.23 | $1,237.10 | $1,879.90 |
| Polk County | $708.66 | $804.33 | $905.67 | $1,265.67 | $1,923.31 |
| Highlands County | $866.09 | $983.01 | $1,106.86 | $1,546.84 | $2,350.57 |
| Hardee County | $876.11 | $994.39 | $1,119.67 | $1,564.74 | $2,377.77 |
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.