UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)
Silver · HMO · UnitedHealthcare · Florida
At age 40 it costs between $778.56 and $1,223.10 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 | 68398FL0060002 |
|---|---|
| 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 | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 97.23% |
| 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 | $609.21 | $691.45 | $778.56 | $1,088.04 | $1,653.38 |
| Palm Beach County | $640.43 | $726.89 | $818.47 | $1,143.80 | $1,738.12 |
| Miami-Dade County | $641.19 | $727.76 | $819.45 | $1,145.17 | $1,740.20 |
| Broward County | $642.86 | $729.65 | $821.57 | $1,148.15 | $1,744.72 |
| Liberty County | $651.97 | $739.98 | $833.21 | $1,164.41 | $1,769.43 |
| Escambia County | $660.39 | $749.55 | $843.98 | $1,179.46 | $1,792.31 |
| Santa Rosa County | $676.25 | $767.55 | $864.25 | $1,207.79 | $1,835.35 |
| Lake County | $689.58 | $782.67 | $881.28 | $1,231.59 | $1,871.52 |
| Hendry County | $694.88 | $788.69 | $888.06 | $1,241.06 | $1,885.91 |
| Orange County | $697.95 | $792.17 | $891.97 | $1,246.53 | $1,894.22 |
| Madison County | $698.12 | $792.37 | $892.20 | $1,246.85 | $1,894.71 |
| Wakulla County | $699.60 | $794.04 | $894.08 | $1,249.48 | $1,898.71 |
| Leon County | $701.41 | $796.10 | $896.40 | $1,252.72 | $1,903.63 |
| Glades County | $703.29 | $798.23 | $898.80 | $1,256.08 | $1,908.73 |
| Hillsborough County | $706.11 | $801.44 | $902.41 | $1,261.12 | $1,916.39 |
| Seminole County | $708.12 | $803.72 | $904.98 | $1,264.70 | $1,921.84 |
| Osceola County | $710.28 | $806.17 | $907.74 | $1,268.57 | $1,927.71 |
| Volusia County | $713.38 | $809.69 | $911.70 | $1,274.10 | $1,936.12 |
| Gadsden County | $720.53 | $817.80 | $920.83 | $1,286.86 | $1,955.51 |
| Manatee County | $721.67 | $819.09 | $922.29 | $1,288.89 | $1,958.60 |
| Flagler County | $721.86 | $819.32 | $922.54 | $1,289.25 | $1,959.14 |
| Calhoun County | $723.02 | $820.62 | $924.01 | $1,291.30 | $1,962.26 |
| Pasco County | $733.06 | $832.02 | $936.85 | $1,309.24 | $1,989.52 |
| Jefferson County | $736.34 | $835.75 | $941.04 | $1,315.11 | $1,998.43 |
| Collier County | $736.42 | $835.84 | $941.15 | $1,315.25 | $1,998.65 |
| Brevard County | $739.23 | $839.03 | $944.74 | $1,320.27 | $2,006.28 |
| Marion County | $746.49 | $847.26 | $954.01 | $1,333.23 | $2,025.97 |
| Desoto County | $750.43 | $851.74 | $959.06 | $1,340.28 | $2,036.68 |
| Taylor County | $756.65 | $858.80 | $967 | $1,351.37 | $2,053.55 |
| Polk County | $774.12 | $878.63 | $989.33 | $1,382.58 | $2,100.96 |
| Highlands County | $946.09 | $1,073.81 | $1,209.11 | $1,689.72 | $2,567.69 |
| Hardee County | $957.04 | $1,086.24 | $1,223.10 | $1,709.27 | $2,597.41 |
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.