UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx)
Silver · HMO · UnitedHealthcare · Florida
At age 40 it costs between $758.70 and $1,191.89 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 | $2,700 | $10,350 | $30 | $5 |
| up to 150% of the federal poverty level | $100 | $1,650 | No Charge | $1 |
| 150% to 200% | $600 | $3,500 | $5 | $3 |
| 200% to 250% | $2,700 | $8,250 | $30 | $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 | 68398FL0030048 |
|---|---|
| Insurer | UnitedHealthcare |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $2,700 |
| Deductible (family) | $5,400 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,350 |
| Family maximum | $20,700 |
| Primary care visit | $30 |
| Specialist visit | $85 |
| Emergency room | $1,000 Copay after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $5 |
| Preferred brand drugs | $85 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 | $593.66 | $673.81 | $758.70 | $1,060.28 | $1,611.20 |
| Palm Beach County | $624.09 | $708.34 | $797.58 | $1,114.62 | $1,693.77 |
| Miami-Dade County | $624.83 | $709.19 | $798.54 | $1,115.95 | $1,695.80 |
| Broward County | $626.46 | $711.03 | $800.61 | $1,118.85 | $1,700.20 |
| Liberty County | $635.33 | $721.10 | $811.95 | $1,134.70 | $1,724.29 |
| Escambia County | $643.54 | $730.42 | $822.45 | $1,149.37 | $1,746.57 |
| Santa Rosa County | $659 | $747.96 | $842.20 | $1,176.97 | $1,788.52 |
| Lake County | $671.99 | $762.70 | $858.80 | $1,200.17 | $1,823.77 |
| Hendry County | $677.15 | $768.57 | $865.40 | $1,209.40 | $1,837.79 |
| Orange County | $680.14 | $771.96 | $869.22 | $1,214.73 | $1,845.89 |
| Madison County | $680.31 | $772.15 | $869.44 | $1,215.04 | $1,846.36 |
| Wakulla County | $681.75 | $773.78 | $871.27 | $1,217.60 | $1,850.26 |
| Leon County | $683.52 | $775.79 | $873.53 | $1,220.76 | $1,855.06 |
| Glades County | $685.35 | $777.87 | $875.87 | $1,224.03 | $1,860.03 |
| Hillsborough County | $688.10 | $780.99 | $879.39 | $1,228.94 | $1,867.49 |
| Seminole County | $690.05 | $783.21 | $881.89 | $1,232.43 | $1,872.80 |
| Osceola County | $692.16 | $785.60 | $884.58 | $1,236.20 | $1,878.53 |
| Volusia County | $695.18 | $789.03 | $888.44 | $1,241.59 | $1,886.72 |
| Gadsden County | $702.14 | $796.93 | $897.34 | $1,254.03 | $1,905.62 |
| Manatee County | $703.25 | $798.19 | $898.76 | $1,256.01 | $1,908.63 |
| Flagler County | $703.45 | $798.41 | $899 | $1,256.35 | $1,909.15 |
| Calhoun County | $704.57 | $799.68 | $900.44 | $1,258.36 | $1,912.20 |
| Pasco County | $714.36 | $810.79 | $912.95 | $1,275.84 | $1,938.76 |
| Jefferson County | $717.55 | $814.42 | $917.03 | $1,281.55 | $1,947.44 |
| Collier County | $717.63 | $814.51 | $917.14 | $1,281.69 | $1,947.66 |
| Brevard County | $720.37 | $817.62 | $920.63 | $1,286.58 | $1,955.09 |
| Marion County | $727.44 | $825.65 | $929.67 | $1,299.21 | $1,974.28 |
| Desoto County | $731.29 | $830.01 | $934.59 | $1,306.08 | $1,984.71 |
| Taylor County | $737.34 | $836.88 | $942.32 | $1,316.89 | $2,001.15 |
| Polk County | $754.37 | $856.21 | $964.08 | $1,347.30 | $2,047.36 |
| Highlands County | $921.95 | $1,046.42 | $1,178.26 | $1,646.61 | $2,502.18 |
| Hardee County | $932.62 | $1,058.53 | $1,191.89 | $1,665.66 | $2,531.14 |
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.