Focused Silver + Vision + Adult Dental — full price in St. Joseph County, Indiana (2026)
Focused Silver + Vision + Adult Dental (35065IN0050009), a silver plan from Ambetter Health in St. Joseph County, Indiana, costs $548.70/month full price for a 40-year-old in 2026 — $1165.23 at 60, with a $6,300 deductible and $8,400 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 35065IN0050009 · 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 | $429.35 |
| 27 | $449.95 |
| 30 | $487.30 |
| 40 | $548.70 |
| 50 | $766.80 |
| 60 | $1165.23 |
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 $458.67/mo. This plan is $548.70/mo at 40 — a difference of $90.03/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 St. Joseph County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $452.37 |
| Anthem Silver Essential 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $458.67 |
| Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $459.66 |
| Anthem Silver Essential 7000 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $460.41 |
| Anthem Silver Essential 3500 HSA (+ Incentives) | Anthem Blue Cross and Blue Shield | $475.99 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 35065IN0050009 in FIPS 18141.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in St. Joseph County
Reviewed by Jason Burns, Editorial Steward.