Silver Elite | with AdventHealth — full price in Polk County, Florida (2026)
Silver Elite | with AdventHealth (21525FL0010012), a silver plan from Oscar Health Maintenance Organization of Florida in Polk County, Florida, costs $780.74/month full price for a 40-year-old in 2026 — $1658.01 at 60, with a $5,000 deductible and $9,850 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 21525FL0010012 · Issuer: Oscar Health Maintenance Organization of Florida · 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 | $610.92 |
| 27 | $640.23 |
| 30 | $693.38 |
| 40 | $780.74 |
| 50 | $1091.08 |
| 60 | $1658.01 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,000
- Family deductible: $10,000
- Individual out-of-pocket max: $9,850
- Family out-of-pocket max: $19,700
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $660.96/mo. This plan is $780.74/mo at 40 — a difference of $119.78/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 Polk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clarity Silver | Ambetter Health | $646.99 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $660.96 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $663.61 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $670.67 |
| Wellpoint Essential Silver 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard | Wellpoint | $675.44 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 21525FL0010012 in FIPS 12105.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Polk County
Reviewed by Jason Burns, Editorial Steward.