Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Seminole County, Florida (2026)
Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) (44228FL0040011), a silver plan from Wellpoint in Seminole County, Florida, costs $767.48/month full price for a 40-year-old in 2026 — $1629.84 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 | $600.53 |
| 27 | $629.36 |
| 30 | $681.60 |
| 40 | $767.48 |
| 50 | $1072.55 |
| 60 | $1629.84 |
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 $699.04/mo. This plan is $767.48/mo at 40 — a difference of $68.44/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 Seminole County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | with AdventHealth | Oscar Health Maintenance Organization of Florida | $692.85 |
| Silver Classic Standard | with AdventHealth | Oscar Health Maintenance Organization of Florida | $699.04 |
| AmeriHealth Caritas Next Silver Essential + No Referrals | AmeriHealth Caritas Next | $699.32 |
| Silver Simple Diabetes | with AdventHealth | Oscar Health Maintenance Organization of Florida | $699.43 |
| Silver Simple Chronic Care CKM | with AdventHealth | Oscar Health Maintenance Organization of Florida | $700.80 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 44228FL0040011 in FIPS 12117.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Seminole County
Reviewed by Jason Burns, Editorial Steward.