Clarity VALUE Silver
Silver · HMO · Ambetter Health · Florida
At age 40 it costs between $698.85 and $885.08 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 | $8,000 | $8,400 | $50 | $3 |
| up to 150% of the federal poverty level | $0 | $1,300 | $5 | No Charge |
| 150% to 200% | $800 | $2,800 | $25 | $3 |
| 200% to 250% | $3,200 | $7,400 | $40 | $3 |
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 | 86382FL0050014 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $8,000 |
| Deductible (family) | $16,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,400 |
| Family maximum | $16,800 |
| Primary care visit | $50 |
| Specialist visit | $90 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $85 Copay after deductible |
| Specialty drugs | 50% Coinsurance 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 | 1-877-687-1169 · TTY 1-800-955-8770 |
Where it is sold, and what it costs there
11 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 |
|---|---|---|---|---|---|
| Osceola County | $546.84 | $620.65 | $698.85 | $976.64 | $1,484.10 |
| Pasco County | $567.29 | $643.87 | $724.99 | $1,013.17 | $1,539.60 |
| Orange County | $569 | $645.80 | $727.16 | $1,016.21 | $1,544.23 |
| Miami-Dade County | $574.72 | $652.29 | $734.48 | $1,026.43 | $1,559.76 |
| Duval County | $580.32 | $658.65 | $741.63 | $1,036.43 | $1,574.96 |
| Hillsborough County | $583.60 | $662.38 | $745.83 | $1,042.30 | $1,583.88 |
| Lake County | $594.87 | $675.16 | $760.22 | $1,062.41 | $1,614.44 |
| Broward County | $653.54 | $741.76 | $835.21 | $1,167.21 | $1,773.68 |
| Clay County | $665.23 | $755.02 | $850.15 | $1,188.08 | $1,805.40 |
| Seminole County | $676.91 | $768.29 | $865.08 | $1,208.95 | $1,837.12 |
| Palm Beach County | $692.56 | $786.04 | $885.08 | $1,236.89 | $1,879.57 |
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.