UHC Silver Standard-
Silver · HMO · UnitedHealthcare · Florida
At age 40 it costs between $748.67 and $1,176.14 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 | 68398FL0090002 |
|---|---|
| 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 | No |
| 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 | $585.81 | $664.90 | $748.67 | $1,046.26 | $1,589.90 |
| Palm Beach County | $615.84 | $698.98 | $787.04 | $1,099.89 | $1,671.38 |
| Miami-Dade County | $616.58 | $699.81 | $787.98 | $1,101.20 | $1,673.38 |
| Broward County | $618.18 | $701.63 | $790.03 | $1,104.06 | $1,677.73 |
| Liberty County | $626.93 | $711.57 | $801.22 | $1,119.70 | $1,701.49 |
| Escambia County | $635.04 | $720.77 | $811.58 | $1,134.17 | $1,723.49 |
| Santa Rosa County | $650.29 | $738.08 | $831.07 | $1,161.41 | $1,764.88 |
| Lake County | $663.10 | $752.62 | $847.44 | $1,184.30 | $1,799.66 |
| Hendry County | $668.20 | $758.41 | $853.96 | $1,193.41 | $1,813.50 |
| Orange County | $671.15 | $761.75 | $857.73 | $1,198.67 | $1,821.49 |
| Madison County | $671.32 | $761.95 | $857.94 | $1,198.97 | $1,821.96 |
| Wakulla County | $672.73 | $763.55 | $859.75 | $1,201.50 | $1,825.80 |
| Leon County | $674.48 | $765.54 | $861.99 | $1,204.62 | $1,830.54 |
| Glades County | $676.29 | $767.58 | $864.29 | $1,207.85 | $1,835.44 |
| Hillsborough County | $679 | $770.67 | $867.76 | $1,212.69 | $1,842.81 |
| Seminole County | $680.93 | $772.86 | $870.23 | $1,216.14 | $1,848.05 |
| Osceola County | $683.01 | $775.22 | $872.89 | $1,219.86 | $1,853.70 |
| Volusia County | $685.99 | $778.60 | $876.70 | $1,225.18 | $1,861.78 |
| Gadsden County | $692.86 | $786.40 | $885.48 | $1,237.45 | $1,880.43 |
| Manatee County | $693.96 | $787.64 | $886.88 | $1,239.41 | $1,883.40 |
| Flagler County | $694.15 | $787.86 | $887.12 | $1,239.75 | $1,883.91 |
| Calhoun County | $695.25 | $789.11 | $888.53 | $1,241.72 | $1,886.92 |
| Pasco County | $704.91 | $800.08 | $900.88 | $1,258.97 | $1,913.13 |
| Jefferson County | $708.07 | $803.66 | $904.91 | $1,264.61 | $1,921.70 |
| Collier County | $708.15 | $803.75 | $905.01 | $1,264.75 | $1,921.91 |
| Brevard County | $710.85 | $806.81 | $908.46 | $1,269.58 | $1,929.24 |
| Marion County | $717.83 | $814.73 | $917.38 | $1,282.04 | $1,948.18 |
| Desoto County | $721.62 | $819.04 | $922.23 | $1,288.81 | $1,958.48 |
| Taylor County | $727.60 | $825.82 | $929.87 | $1,299.49 | $1,974.70 |
| Polk County | $744.40 | $844.89 | $951.34 | $1,329.49 | $2,020.29 |
| Highlands County | $909.77 | $1,032.58 | $1,162.68 | $1,624.84 | $2,469.10 |
| Hardee County | $920.29 | $1,044.53 | $1,176.14 | $1,643.64 | $2,497.68 |
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.
Get told when this changes
When this plan’s price or benefits change.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
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.