Focused Silver — full price in Saint Johns County, Florida (2026)
Focused Silver (49004FL0010007), a silver plan from Ambetter Health in Saint Johns County, Florida, costs $706.04/month full price for a 40-year-old in 2026 — $1499.36 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 | $552.46 |
| 27 | $578.97 |
| 30 | $627.03 |
| 40 | $706.04 |
| 50 | $986.68 |
| 60 | $1499.36 |
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 $697.47/mo. This plan is $706.04/mo at 40 — a difference of $8.57/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.
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Other silver plans in Saint Johns County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clarity Silver | Ambetter Health | $654.04 |
| Gym Access IND Silver HMO OA Standard 1440 | Florida Health Care Plans | $697.47 |
| Standard Silver | Ambetter Health | $697.62 |
| Gym Access IND Silver HMO BC 7741 | Florida Health Care Plans | $711.42 |
| Standard Silver + Vision + Adult Dental | Ambetter Health | $716.50 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 49004FL0010007 in FIPS 12109.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Johns County
Reviewed by Jason Burns, Editorial Steward.