Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Desoto County, Florida (2026)
Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) (44228FL0040012), a silver plan from Wellpoint in Desoto County, Florida, costs $749.15/month full price for a 40-year-old in 2026 — $1590.92 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 | $586.19 |
| 27 | $614.33 |
| 30 | $665.33 |
| 40 | $749.15 |
| 50 | $1046.94 |
| 60 | $1590.92 |
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 $712.31/mo. This plan is $749.15/mo at 40 — a difference of $36.84/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 Desoto County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clarity Silver | Ambetter Health | $667.81 |
| Standard Silver | Ambetter Health | $712.31 |
| Molina Silver Saver with Four Free PCP Visits | Molina Healthcare | $714.92 |
| Molina Silver Core | Molina Healthcare | $720.40 |
| Focused Silver | Ambetter Health | $720.90 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 44228FL0040012 in FIPS 12027.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Desoto County
Reviewed by Jason Burns, Editorial Steward.