Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Collier County, Florida (2026)
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) (44228FL0040012), a silver plan from Wellpoint in Collier County, Florida, costs $761.29/month full price for a 40-year-old in 2026 — $1616.70 at 60, with a $3,500 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 44228FL0040012 · Issuer: Wellpoint · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $595.69 |
| 27 | $624.28 |
| 30 | $676.11 |
| 40 | $761.29 |
| 50 | $1063.90 |
| 60 | $1616.70 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $729.50/mo. This plan is $761.29/mo at 40 — a difference of $31.79/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other silver plans in Collier County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clarity Silver | Ambetter Health | $729.27 |
| myBlue Silver 26M02-04 ($5 PCP Visits / $5 Labs / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $729.50 |
| myBlue Silver 26M02-04V ($5 PCP Visits / $5 Labs / Adult Vision / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $734.06 |
| myBlue Silver 25M02-03 ($0 Labs / $50 PCP Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $741.14 |
| myBlue Silver 26M02-04E ($5 PCP Visits / $5 Labs / Adult Dental & Vision / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $743.18 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 44228FL0040012 in FIPS 12021.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Collier County
Reviewed by Jason Burns, Editorial Steward.