Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard — full price in Miami-Dade County, Florida (2026)
Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard (44228FL0040002), a silver plan from Wellpoint in Miami-Dade County, Florida, costs $745.64/month full price for a 40-year-old in 2026 — $1583.46 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 44228FL0040002 · 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 | $583.44 |
| 27 | $611.45 |
| 30 | $662.20 |
| 40 | $745.64 |
| 50 | $1042.02 |
| 60 | $1583.46 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $684.37/mo. This plan is $745.64/mo at 40 — a difference of $61.27/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 Miami-Dade County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| myBlue Silver 26M03-02 ($0 Primary Care Visits with Select Providers / $5 Labs / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $681.98 |
| Silver Simple PCP Saver | Oscar Health Maintenance Organization of Florida | $684.37 |
| myBlue Silver 26M03-02V ($0 Primary Care Visits with Select Providers / $5 Labs / Adult Vision / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $686.16 |
| Silver Classic Standard | Oscar Health Maintenance Organization of Florida | $690.48 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Maintenance Organization of Florida | $690.62 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 44228FL0040002 in FIPS 12086.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Miami-Dade County
Reviewed by Jason Burns, Editorial Steward.