Standard Silver + Vision + Adult Dental — Ambetter Health
Standard Silver + Vision + Adult Dental (HIOS plan ID 49004FL0020027) is a 2026 Silver ACA marketplace plan from Ambetter Health offered in Wakulla County, Florida, with a monthly premium of $647.97 at age 40, an individual deductible of $6,000, and an out-of-pocket maximum of $8,900.
Monthly premium by age
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $507.03 | $531.36 | $575.47 | $647.97 | $905.54 | $1,376.05 |
Premiums shown are for a single non-tobacco enrollee before any premium tax credit. Actual price on HealthCare.gov depends on your household income and any subsidy you qualify for.
Family premium scenarios
| Scenario | Monthly premium |
|---|---|
| couple_21 | $1,014.06 |
| couple_30 | $1,150.94 |
| couple_40 | $1,295.94 |
| couple_50 | $1,811.08 |
| couple_60 | $2,752.10 |
| couple_plus_1_child_40 | $1,683.81 |
| couple_plus_2_children_40 | $2,071.68 |
| individual_plus_1_child_40 | $1,035.84 |
| individual_plus_2_children_40 | $1,423.71 |
Metal level, deductible, and out-of-pocket maximum
- Metal level: Silver
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket maximum: $8,900
- Family out-of-pocket maximum: $17,800
Copays and drug tiers
| Service | Cost share |
|---|---|
| specialist | $80 |
| primary_care | $40 |
| generic_drugs | $20 |
| emergency_room | 40% Coinsurance after deductible |
Cost-sharing reduction (CSR) note
This is a Silver plan, so if your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies a CSR variant that lowers your deductible, copays, and out-of-pocket maximum. The plan name and premium stay the same — the numbers on your Summary of Benefits and Coverage change.
How this plan compares to the county benchmark
At age 40, this plan is $37.86 more per month than the county's benchmark (second-lowest-cost silver) plan of $610.11 per month, which HealthCare.gov uses to size the premium tax credit.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025. For plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker).
HIOS plan ID anatomy
The HIOS plan ID 49004FL0020027 is a federally assigned identifier. Its structure: the first five digits (49004) are the issuer ID, the next two letters (FL) are the state, the next block (0020) is the product ID, and the final digits (027) identify the specific plan variant. See CMS Plan ID guidance.
Common questions
Where do these numbers come from?
Every premium, deductible, and out-of-pocket figure on this page is taken verbatim from the CMS PY2026 QHP Landscape, Individual Market Medical public-use file, released May 2026.
Can I enroll in this plan here?
No. Enrollment happens on HealthCare.gov, not on this site. This page is educational — it summarizes what's in the federal landscape file.
Will my actual price match what's shown?
Not necessarily. The premiums shown are before any premium tax credit and before tobacco rating. Your HealthCare.gov quote reflects your household size, income, and location within the county.
Is this plan the benchmark for subsidies?
The benchmark used by HealthCare.gov to calculate the premium tax credit is the second-lowest-cost Silver plan in the county at age 40 — $610.11 per month in Wakulla County. This specific plan may or may not be that benchmark.
Comparable plans in Wakulla County
| Issuer | Plan | Metal | Age 40 premium | Deductible |
|---|---|---|---|---|
| Ambetter Health | Clarity Silver | Silver | $591.49 | $8,000 |
| Capital Health Plan | Capital Health Plan HMO Silver 2400 | Silver | $610.11 | $7,000 |
| Ambetter Health | Standard Silver | Silver | $630.90 | $6,000 |
| Ambetter Health | Focused Silver | Silver | $638.51 | $6,300 |
| Capital Health Plan | Capital Health Plan HMO Silver 2300 | Silver | $644.32 | $6,000 |
See the full plan list on the Wakulla County plans page.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where this plan is sold.