Focused Silver 22 Health
Starting at
$725
/month before subsidy
Focused Silver 22 Health is a 2026 Silver HMO health insurance plan from 22 Health, sold on the ACA Marketplace in Florida under plan ID 13887FL0010005. The monthly premium starts at $725 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,000 ($8,000 for a family), and the individual out-of-pocket maximum is $7,150 ($14,300 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 13887FL0010005
- Plan year
- 2026
- State
- Florida
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,000
Family: $8,000
Out-of-Pocket Max
$7,150
Family: $14,300
Coinsurance
30%
You pay after deductible
Network Type
HMO
FLN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$6,600
your estimated cost
- Deductible
- $4,000
- Copays
- $0
- Coinsurance
- $2,600
Managing type 2 diabetes
A year of routine care
$4,200
your estimated cost
- Deductible
- $4,000
- Copays
- $0
- Coinsurance
- $200
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,321/month
Annual Premium
$8,700
OOP Maximum
$7,150
💡 What this means:
With a $4,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $7,150 total. Then insurance covers everything else for the year.
More plans from 22 Health in Florida
Frequently asked questions about Focused Silver 22 Health
How much does Focused Silver 22 Health cost per month?
Focused Silver 22 Health from 22 Health starts at $725 per month before any subsidy in Florida. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Focused Silver 22 Health?
The individual medical deductible is $4,000, and the family deductible is $8,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Focused Silver 22 Health?
The most you would pay in a year for covered in-network care is $7,150 for an individual and $14,300 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Focused Silver 22 Health HSA-eligible?
No. Focused Silver 22 Health is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Focused Silver 22 Health use?
Focused Silver 22 Health is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.