UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision)
Silver · HMO · UnitedHealthcare · Florida
At age 40 it costs between $732.59 and $1,150.88 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 | 68398FL0060004 |
|---|---|
| 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 | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 97.04% |
| 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 | $573.24 | $650.62 | $732.59 | $1,023.80 | $1,555.76 |
| Palm Beach County | $602.61 | $683.97 | $770.14 | $1,076.27 | $1,635.49 |
| Miami-Dade County | $603.34 | $684.79 | $771.06 | $1,077.56 | $1,637.45 |
| Broward County | $604.90 | $686.56 | $773.07 | $1,080.36 | $1,641.71 |
| Liberty County | $613.47 | $696.29 | $784.02 | $1,095.66 | $1,664.96 |
| Escambia County | $621.40 | $705.29 | $794.15 | $1,109.82 | $1,686.48 |
| Santa Rosa County | $636.32 | $722.23 | $813.22 | $1,136.48 | $1,726.99 |
| Lake County | $648.86 | $736.46 | $829.25 | $1,158.87 | $1,761.02 |
| Hendry County | $653.85 | $742.12 | $835.63 | $1,167.78 | $1,774.56 |
| Orange County | $656.74 | $745.40 | $839.31 | $1,172.93 | $1,782.38 |
| Madison County | $656.90 | $745.59 | $839.52 | $1,173.23 | $1,782.84 |
| Wakulla County | $658.29 | $747.16 | $841.29 | $1,175.71 | $1,786.60 |
| Leon County | $660 | $749.10 | $843.48 | $1,178.76 | $1,791.23 |
| Glades County | $661.76 | $751.10 | $845.73 | $1,181.91 | $1,796.03 |
| Hillsborough County | $664.42 | $754.12 | $849.13 | $1,186.66 | $1,803.24 |
| Seminole County | $666.31 | $756.26 | $851.54 | $1,190.03 | $1,808.36 |
| Osceola County | $668.35 | $758.57 | $854.15 | $1,193.67 | $1,813.89 |
| Volusia County | $671.26 | $761.88 | $857.87 | $1,198.87 | $1,821.80 |
| Gadsden County | $677.98 | $769.51 | $866.46 | $1,210.88 | $1,840.05 |
| Manatee County | $679.06 | $770.73 | $867.83 | $1,212.79 | $1,842.96 |
| Flagler County | $679.24 | $770.94 | $868.07 | $1,213.13 | $1,843.46 |
| Calhoun County | $680.33 | $772.17 | $869.46 | $1,215.06 | $1,846.40 |
| Pasco County | $689.78 | $782.90 | $881.53 | $1,231.94 | $1,872.05 |
| Jefferson County | $692.86 | $786.40 | $885.48 | $1,237.46 | $1,880.43 |
| Collier County | $692.94 | $786.49 | $885.58 | $1,237.59 | $1,880.64 |
| Brevard County | $695.58 | $789.49 | $888.96 | $1,242.31 | $1,887.82 |
| Marion County | $702.41 | $797.24 | $897.68 | $1,254.51 | $1,906.35 |
| Desoto County | $706.13 | $801.45 | $902.43 | $1,261.14 | $1,916.43 |
| Taylor County | $711.97 | $808.09 | $909.90 | $1,271.58 | $1,932.29 |
| Polk County | $728.41 | $826.75 | $930.91 | $1,300.95 | $1,976.91 |
| Highlands County | $890.23 | $1,010.41 | $1,137.71 | $1,589.95 | $2,416.09 |
| Hardee County | $900.53 | $1,022.10 | $1,150.88 | $1,608.35 | $2,444.05 |
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.