Focused VALUE Silver — full price in Seminole County, Florida (2026)
Focused VALUE Silver (86382FL0050009), a silver plan from Ambetter Health in Seminole County, Florida, costs $933.85/month full price for a 40-year-old in 2026 — $1983.16 at 60, with a $6,300 deductible and $8,400 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 86382FL0050009 · 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 | $730.72 |
| 27 | $765.79 |
| 30 | $829.36 |
| 40 | $933.85 |
| 50 | $1305.06 |
| 60 | $1983.16 |
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 $699.04/mo. This plan is $933.85/mo at 40 — a difference of $234.81/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 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 86382FL0050009 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.