Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Indian River County, Florida (2026)
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) (44228FL0040011), a silver plan from Wellpoint in Indian River County, Florida, costs $796.48/month full price for a 40-year-old in 2026 — $1691.42 at 60, with a $1,850 deductible and $9,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 44228FL0040011 · 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 | $623.22 |
| 27 | $653.13 |
| 30 | $707.35 |
| 40 | $796.48 |
| 50 | $1113.07 |
| 60 | $1691.42 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,850
- Family deductible: $3,700
- Individual out-of-pocket max: $9,100
- Family out-of-pocket max: $18,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $591.15/mo. This plan is $796.48/mo at 40 — a difference of $205.33/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 Indian River County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clarity Silver | Ambetter Health | $554.22 |
| Standard Silver | Ambetter Health | $591.15 |
| Silver Savings 1821 (Primary Care Copay, Open Access) | Health First Commercial Plans, Inc. | $591.92 |
| Silver Standard 1829 | Health First Commercial Plans, Inc. | $596.37 |
| Focused Silver | Ambetter Health | $598.27 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 44228FL0040011 in FIPS 12061.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Indian River County
Reviewed by Jason Burns, Editorial Steward.