Focused Silver — full price in Hernando County, Florida (2026)
Focused Silver (49004FL0010007), a silver plan from Ambetter Health in Hernando County, Florida, costs $759.29/month full price for a 40-year-old in 2026 — $1612.45 at 60, with a $6,300 deductible and $8,400 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 49004FL0010007 · Issuer: Ambetter Health · 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 | $594.13 |
| 27 | $622.64 |
| 30 | $674.33 |
| 40 | $759.29 |
| 50 | $1061.10 |
| 60 | $1612.45 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,300
- Family deductible: $12,600
- Individual out-of-pocket max: $8,400
- Family out-of-pocket max: $16,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $656.01/mo. This plan is $759.29/mo at 40 — a difference of $103.28/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 Hernando County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | Oscar Health Maintenance Organization of Florida | $650.20 |
| Silver Classic Standard | Oscar Health Maintenance Organization of Florida | $656.01 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Maintenance Organization of Florida | $656.15 |
| Silver Simple Diabetes | Oscar Health Maintenance Organization of Florida | $656.38 |
| Silver Simple Women's Health with Menopause Benefits | Oscar Health Maintenance Organization of Florida | $657.03 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 49004FL0010007 in FIPS 12053.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hernando County
Reviewed by Jason Burns, Editorial Steward.