Client Report Designs: All 26

26. Top: Card Over BandOur pick

Your 2026 Health Plan ReportOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

1. Summary

Your Health Plan Report

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

Better + Best · Recommended

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

Lowest estimated total for a year with a baby on the way: about $3,915 (monthly payments plus what you pay for care).
Only $97.06 a month more than the Good plan.
Smallest total if you have a big medical year (a hospital stay): about $3,915.
The most you pay for covered in-network care in a year: $2,750 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

$97.06a month after your tax credit (saves $596)

$3,915estimated year, a baby on the way

$2,750the most you pay for care in a year

What You Pay For Care On This Plan

Prenatal visits	$0
Having the baby (hospital)	15% after deductible
Doctor visit	$20
Specialist visit	$40
Urgent care	$40
Emergency room	15% after deductible
Generic drugs	$15
Brand-name drugs	$60
Lab tests	15% after deductible
MRI or CT scan	15% after deductible
Hospital stay	15% after deductible
Deductible	$1,000

Other Good Choices

Good

Bronze Elite + PCP Saver Plus

Oscar Health Maintenance Organization of Florida, Inc · Expanded bronze · HMO

$0 a month · about $4,541 a year

Lowest monthly price of the plans that fit you: $0 a month.
Over a year with a baby on the way it costs about $626 more than the Better plan, because visits and medicines cost more.

Runner-up

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Oscar Health Maintenance Organization of Florida, Inc · Silver · HMO

$94.62 a month · about $4,035 a year

Next lowest estimated total for a year with a baby on the way: about $4,035.
The most you pay for covered in-network care in a year: $2,900 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) AvMed, Inc. · Expanded bronze · HMO · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Elite Bronze Ambetter Health · Expanded bronze · HMO · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

2. Side by Side

Plan Comparison

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

Your Plans Side by Side

	Good Bronze Elite + PCP Saver Plus Oscar Health Maintenance Organization of Florida, Inc · Expanded bronze · HMO	Better + Best · Recommended AmeriHealth Caritas Next Silver Essential + No Referrals AmeriHealth Caritas Next · Silver · HMO	Runner-up Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200 Oscar Health Maintenance Organization of Florida, Inc · Silver · HMO	Not recommended AvMed Entrust Bronze 650 (2026) AvMed, Inc. · Expanded bronze · HMO	Not recommended Elite Bronze Ambetter Health · Expanded bronze · HMO
Monthly price	$0	$97.06	$94.62	$90.86	$119.30
Tax credit	$575.34 a month	$596 a month	$596 a month	$596 a month	$596 a month
Deductible	$0	$1,000	$900	$10,150	$0
Most you pay in a year	$10,600	$2,750	$2,900	$10,150	$10,500
Prenatal visits	$0	$0	$0	$75	$60
Having the baby (hospital)	$3,000	15% after deductible	30% after deductible	Full price until the deductible, then $0	50%
Doctor visit	$50	$20	$0	$75	$60
Specialist visit	$125	$40	$25	Full price until the deductible, then $0	$120
Urgent care	$75	$40	$45	Full price until the deductible, then $0	$65
Emergency room	$2,500	15% after deductible	30% after deductible	Full price until the deductible, then $0	$2,500
Generic drugs	$3	$15	$3	$45	$3
Brand-name drugs	$125 after deductible	$60	$75	Full price until the deductible, then $0	$195
Lab tests	$65	15% after deductible	$35	$55	$65
MRI or CT scan	$750	15% after deductible	30% after deductible	Full price until the deductible, then $0	50%
Hospital stay	See plan	15% after deductible	30% after deductible	Full price until the deductible, then $0	50%
Estimated year (a baby on the way)	$4,541	$3,915	$4,035	$11,240	$9,953
Big medical year	$10,600	$3,915	$4,035	$11,240	$11,932
Why	Lowest monthly price of the plans that fit you: $0 a month.	Lowest estimated total for a year with a baby on the way: about $3,915 (monthly payments plus what you pay for care).	Next lowest estimated total for a year with a baby on the way: about $4,035.	Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.	Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

3. Good Better Best

Good, Better, Best

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

Three Ways To Cover You

Good

Lowest monthly price

$0/month

Bronze Elite + PCP Saver Plus

Oscar Health Maintenance Organization of Florida, Inc · Expanded bronze · HMO

Deductible$0

Most you pay in a year$10,600

Estimated year$4,541

Big medical year$10,600

Prenatal visits$0

Having the baby (hospital)$3,000

Doctor visit$50

Specialist visit$125

Lowest monthly price of the plans that fit you: $0 a month.
Over a year with a baby on the way it costs about $626 more than the Better plan, because visits and medicines cost more.

Recommended For You

Better + Best

Best value for the year, Most protection

$97.06/month

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

Deductible$1,000

Most you pay in a year$2,750

Estimated year$3,915

Big medical year$3,915

Prenatal visits$0

Having the baby (hospital)15% after deductible

Doctor visit$20

Specialist visit$40

Lowest estimated total for a year with a baby on the way: about $3,915 (monthly payments plus what you pay for care).
Only $97.06 a month more than the Good plan.

Runner-up

Next lowest total for the year

$94.62/month

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Oscar Health Maintenance Organization of Florida, Inc · Silver · HMO

Deductible$900

Most you pay in a year$2,900

Estimated year$4,035

Big medical year$4,035

Prenatal visits$0

Having the baby (hospital)30% after deductible

Doctor visit$0

Specialist visit$25

Next lowest estimated total for a year with a baby on the way: about $4,035.
The most you pay for covered in-network care in a year: $2,900 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) AvMed, Inc. · Expanded bronze · HMO · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Elite Bronze Ambetter Health · Expanded bronze · HMO · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

4. Year Cost Chart

Your Year In Dollars

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

What Each Plan Costs In A Year

Each bar is a full year: 12 monthly payments plus what you pay for care. Shorter is better.

A year with a baby on the wayA big medical year (a hospital stay)

Good

Bronze Elite + PCP Saver Plus

$0 a month

$4,541

$10,600

Lowest monthly price of the plans that fit you: $0 a month.

Better + Best · Recommended

AmeriHealth Caritas Next Silver Essential + No Referrals

$97.06 a month

$3,915

Lowest estimated total for a year with a baby on the way: about $3,915 (monthly payments plus what you pay for care).

Runner-up

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

$94.62 a month

$4,035

Next lowest estimated total for a year with a baby on the way: about $4,035.

Not recommended

AvMed Entrust Bronze 650 (2026)

$90.86 a month

$11,240

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Not recommended

Elite Bronze

$119.30 a month

$9,953

$11,932

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

5. Where the Money Goes

Where Your Money Goes

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

Where Your Money Goes

Blue is what you pay every month for the plan. Light blue is what you pay when you use care (a baby on the way). The marker shows premiums plus the covered in-network care limit. Other bills can be extra.

Good Bronze Elite + PCP Saver Plus

Payments $0Care $4,541Total $4,541Premiums Plus Covered Care Limit $10,600

Better + Best · Recommended AmeriHealth Caritas Next Silver Essential + No Referrals

Payments $1,165Care $2,750Total $3,915Premiums Plus Covered Care Limit $3,915

Runner-up Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Payments $1,135Care $2,900Total $4,035Premiums Plus Covered Care Limit $4,035

Not recommended AvMed Entrust Bronze 650 (2026)

Payments $1,090Care $10,150Total $11,240Premiums Plus Covered Care Limit $11,240

Not recommended Elite Bronze

Payments $1,432Care $8,521Total $9,953Premiums Plus Covered Care Limit $11,932

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) AvMed, Inc. · Expanded bronze · HMO · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Elite Bronze Ambetter Health · Expanded bronze · HMO · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

6. Every Kind of Year

Every Kind Of Year

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

What You Would Pay In Every Kind Of Year

Nobody knows next year for sure, so here is each plan in three kinds of years. The lowest cost in each row is marked.

	Good Bronze Elite + PCP Saver Plus $0 a month	Better + Best · Recommended AmeriHealth Caritas Next Silver Essential + No Referrals $97.06 a month	Runner-up Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200 $94.62 a month	Not recommended AvMed Entrust Bronze 650 (2026) $90.86 a month	Not recommended Elite Bronze $119.30 a month
A healthy yearOne checkup, a few refills	$62	$1,245	$1,147	$1,245	$1,504
A normal yearSome visits, tests and medicines	$1,541	$2,615	$2,356	$3,665	$2,733
A big medical yearA hospital stay or surgery	$10,600	$3,915	$4,035	$11,240	$11,932

Your agent planned for: a baby on the way.

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) AvMed, Inc. · Expanded bronze · HMO · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Elite Bronze Ambetter Health · Expanded bronze · HMO · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

7. Checklist

Plan Checklist

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

How Each Plan Checks Out

	Good Bronze Elite + PCP Saver Plus $0 a month	Better + Best · Recommended AmeriHealth Caritas Next Silver Essential + No Referrals $97.06 a month	Runner-up Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200 $94.62 a month	Not recommended AvMed Entrust Bronze 650 (2026) $90.86 a month	Not recommended Elite Bronze $119.30 a month
Lowest monthly price	Yes	No	No	No	No
Lowest total for a year with a baby on the way	No	Yes	No	No	No
Lowest total in a big medical year	No	Yes	No	No	No
Lowest yearly max ($2,750)	No	Yes	No	No	No
Doctor visits before the deductible	Yes	Yes	Yes	Yes	Yes

Why We Picked Better + Best

Lowest estimated total for a year with a baby on the way: about $3,915 (monthly payments plus what you pay for care).
Only $97.06 a month more than the Good plan.
Smallest total if you have a big medical year (a hospital stay): about $3,915.
The most you pay for covered in-network care in a year: $2,750 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) AvMed, Inc. · Expanded bronze · HMO · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Elite Bronze Ambetter Health · Expanded bronze · HMO · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

8. Letter

A Note From Your Agent

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

Hi,

I compared 188 plans from 11 insurance companies for your household in Miami-Dade County, FL 33012. Here is the one I recommend and why.

Better + Best · Recommended

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

$97.06a month

$1,000deductible

$2,750most you pay in a year

Lowest estimated total for a year with a baby on the way: about $3,915 (monthly payments plus what you pay for care).
Only $97.06 a month more than the Good plan.
Smallest total if you have a big medical year (a hospital stay): about $3,915.
The most you pay for covered in-network care in a year: $2,750 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

If you would rather keep the monthly price as low as possible, the Bronze Elite + PCP Saver Plus is $0 a month; or if you want to have the most protection, the Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200 is $94.62 a month and caps a big year at about $4,035.

I would skip the AvMed Entrust Bronze 650 (2026). Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

I would skip the Elite Bronze. Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Reply or call me and I will get you enrolled.

Your True Cost Group agent

At A Glance

	Monthly	Deductible	Yearly max	Estimated year
Good: Bronze Elite + PCP Saver Plus	$0	$0	$10,600	$4,541
Better + Best: AmeriHealth Caritas Next Silver Essential + No Referrals	$97.06	$1,000	$2,750	$3,915
Runner-up: Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200	$94.62	$900	$2,900	$4,035

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

9. Plan Sheets

Your Plan Sheets

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

Good

Bronze Elite + PCP Saver Plus

Oscar Health Maintenance Organization of Florida, Inc · Expanded bronze · HMO · HSA eligible

$0a month (full price $575.34)

The Big Numbers

Deductible	$0
Most you pay in a year	$10,600
Estimated year (a baby on the way)	$4,541
Big medical year	$10,600

What You Pay For Care

Prenatal visits	$0
Having the baby (hospital)	$3,000
Doctor visit	$50
Specialist visit	$125
Urgent care	$75
Emergency room	$2,500
Generic drugs	$3
Brand-name drugs	$125 after deductible
Lab tests	$65
MRI or CT scan	$750

Why This Plan

Lowest monthly price of the plans that fit you: $0 a month.
Over a year with a baby on the way it costs about $626 more than the Better plan, because visits and medicines cost more.
The most you pay for covered in-network care in a year: $10,600 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

Your Doctors And Medicines

None added yet.

Full plan details: Summary of Benefits · Doctor search · Drug list

Better + Best · Recommended

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

$97.06a month (full price $693.06)

The Big Numbers

Deductible	$1,000
Most you pay in a year	$2,750
Estimated year (a baby on the way)	$3,915
Big medical year	$3,915

What You Pay For Care

Prenatal visits	$0
Having the baby (hospital)	15% after deductible
Doctor visit	$20
Specialist visit	$40
Urgent care	$40
Emergency room	15% after deductible
Generic drugs	$15
Brand-name drugs	$60
Lab tests	15% after deductible
MRI or CT scan	15% after deductible
Hospital stay	15% after deductible

Why This Plan

Lowest estimated total for a year with a baby on the way: about $3,915 (monthly payments plus what you pay for care).
Only $97.06 a month more than the Good plan.
Smallest total if you have a big medical year (a hospital stay): about $3,915.
The most you pay for covered in-network care in a year: $2,750 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

Your Doctors And Medicines

None added yet.

Full plan details: Summary of Benefits · Doctor search · Drug list

Runner-up

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Oscar Health Maintenance Organization of Florida, Inc · Silver · HMO

$94.62a month (full price $690.62)

The Big Numbers

Deductible	$900
Most you pay in a year	$2,900
Estimated year (a baby on the way)	$4,035
Big medical year	$4,035

What You Pay For Care

Prenatal visits	$0
Having the baby (hospital)	30% after deductible
Doctor visit	$0
Specialist visit	$25
Urgent care	$45
Emergency room	30% after deductible
Generic drugs	$3
Brand-name drugs	$75
Lab tests	$35
MRI or CT scan	30% after deductible
Hospital stay	30% after deductible

Why This Plan

Next lowest estimated total for a year with a baby on the way: about $4,035.
The most you pay for covered in-network care in a year: $2,900 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

Your Doctors And Medicines

None added yet.

Full plan details: Summary of Benefits · Doctor search · Drug list

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) AvMed, Inc. · Expanded bronze · HMO · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Elite Bronze Ambetter Health · Expanded bronze · HMO · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

10. Dashboard

Your Plan Dashboard

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

$97.06Recommended plan, a month

$7,152Your tax credit this year

$3,915Estimated year on Better + Best

$2,750The most you pay for care

Your Year On Each Plan

Good

Bronze Elite + PCP Saver Plus

$4,541

Better + Best · Recommended

AmeriHealth Caritas Next Silver Essential + No Referrals

$3,915

Runner-up

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

$4,035

Not recommended

AvMed Entrust Bronze 650 (2026)

$11,240

Not recommended

Elite Bronze

$9,953

Why Better + Best

Lowest estimated total for a year with a baby on the way: about $3,915 (monthly payments plus what you pay for care).
Only $97.06 a month more than the Good plan.
Smallest total if you have a big medical year (a hospital stay): about $3,915.
The most you pay for covered in-network care in a year: $2,750 for one person for covered care. Premiums, noncovered care and out-of-network bills are extra.

Care Costs On Better + Best

Prenatal visits	$0
Having the baby (hospital)	15% after deductible
Doctor visit	$20
Specialist visit	$40
Urgent care	$40
Emergency room	15% after deductible
Generic drugs	$15
Brand-name drugs	$60

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) AvMed, Inc. · Expanded bronze · HMO · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Elite Bronze Ambetter Health · Expanded bronze · HMO · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

11. Premium

Your 2026 Health Plan Report

October 25, 2026

Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level

We searched 188 plans and 11 insurance companies

This is the plan we'd pick for you

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

188plans compared

$3,915your estimated year

$2,750the most you pay for care

$7,152tax credit this year

Your Situation

Plan year2026

Household1 person, age 40

Income$24,000 · 153% of the poverty line

Your tax credit$596 a month on this plan

Quoted Silver Savings87% quoted level

Coming up this yearA baby on the way

So we looked for the plan with the lowest estimated total for the selected care.

Why This Plan Fits You

1
Your Estimated Care This Year
With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.
2
Quoted Silver Savings
This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.
3
Your tax credit does the heavy lifting
The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.
4
Worth the difference
It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Plans Side By Side

GoodLowest monthly price

Bronze Elite + PCP Saver Plus

Oscar Health Maintenance Organization of Florida, Inc · Expanded bronze · HMO

−$97.06 a month vs our pick
$626 more over the year

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Prenatal visits$0

Having the baby (hospital)$3,000

Doctor visit$50

Specialist visit$125

Urgent care$75

Emergency room$2,500

Best For YouBetter + BestBest value for the year, Most protection

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

Our pick

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Prenatal visits$0

Having the baby (hospital)15% after deductible

Doctor visit$20

Specialist visit$40

Urgent care$40

Emergency room15% after deductible

Runner-upNext lowest total for the year

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Oscar Health Maintenance Organization of Florida, Inc · Silver · HMO

−$2.44 a month vs our pick
$121 more over the year

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

Prenatal visits$0

Having the baby (hospital)30% after deductible

Doctor visit$0

Specialist visit$25

Urgent care$45

Emergency room30% after deductible

Your Year In Dollars

Light bar: a year with a baby on the way. Dark bar: a big medical year. Both include every monthly payment. In a big year our pick costs $8,017 less than Elite Bronze.

Looks Cheap, Costs More: Plans We'd Skip

AvMed Entrust Bronze 650 (2026)

AvMed, Inc. · Expanded bronze · HMO · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Elite Bronze

Ambetter Health · Expanded bronze · HMO · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Ready To Lock In AmeriHealth Caritas Next Silver Essential + No Referrals?

Your agent can enroll you on this call, and we'll confirm your doctors and medicines with you first.

True Cost Group

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

12. Clean Pick

Your 2026 Health Plan ReportOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Side By Side

Good

Bronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Prenatal visits$0

Having the baby (hospital)$3,000

Doctor visit$50

Specialist visit$125

Urgent care$75

Our Pick

Better + Best

AmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Prenatal visits$0

Having the baby (hospital)15% after deductible

Doctor visit$20

Specialist visit$40

Urgent care$40

Runner-up

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

Prenatal visits$0

Having the baby (hospital)30% after deductible

Doctor visit$0

Specialist visit$25

Urgent care$45

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

13. Comparison Grid

Plan ComparisonOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Miami-Dade County, FL 33012 · 1 person, age 40 · $24,000 income · a baby on the way

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

Monthly price

Deductible

Most you pay for care

Estimated year

Big medical year

Prenatal visits

Having the baby (hospital)

Doctor visit

Specialist visit

Urgent care

Lowest monthly price

Lowest total for your year

Lowest yearly max

Doctor visits before the deductible

GoodBronze Elite + PCP Saver Plus

$0

$10,600

$4,541

$10,600

$0

$3,000

$50

$125

$75

Yes

No

Yes

Recommended

Better + BestAmeriHealth Caritas Next Silver Essential + No Referrals

$97.06

$1,000

$2,750

$3,915

$0

15% after deductible

$20

$40

No

Yes

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

$94.62

$900

$2,900

$4,035

$0

30% after deductible

$0

$25

$45

No

Yes

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Your Year In Dollars

Light bar: a year with a baby on the way. Solid bar: a big medical year. Every monthly payment included.

Why Better + Best Wins For You

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

14. Story

How We Picked Your PlanOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

1

We Looked At Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

2

We Narrowed It To 3

GoodBronze Elite + PCP Saver Plus

$0/mo · $4,541 a year

Better + BestAmeriHealth Caritas Next Silver Essential + No Referrals

$97.06/mo · $3,915 a year

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

$94.62/mo · $4,035 a year

3

Why Better + Best Wins For You

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

4

Every Insurance Company We Searched

188 plans in Miami-Dade County, FL 33012, from these companies:

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

15. Scorecard

Plan ScorecardOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

How Each Plan Scores On Cost

Shorter is better. Same scale for every plan.

GoodBronze Elite + PCP Saver Plus

Normal year

$4,541

Yearly max

$10,600

Our pickAmeriHealth Caritas Next Silver Essential + No Referrals

Normal year

$3,915

Yearly max

$2,750

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Normal year

$4,035

Yearly max

$2,900

SkipAvMed Entrust Bronze 650 (2026)

Normal year

$11,240

Yearly max

$10,150

Ambetter

SkipElite Bronze

Normal year

$9,953

Yearly max

$10,500

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why It Fits

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

The Top 3 At A Glance

	Good	Better + Best	Runner-up
Monthly price	$0	$97.06	$94.62
Deductible	$0	$1,000	$900
Most you pay for care	$10,600	$2,750	$2,900
Estimated year	$4,541	$3,915	$4,035
Big medical year	$10,600	$3,915	$4,035
Prenatal visits	$0	$0	$0
Having the baby (hospital)	$3,000	15% after deductible	30% after deductible
Doctor visit	$50	$20	$0
Specialist visit	$125	$40	$25
Urgent care	$75	$40	$45

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

16. Executive Brief

Health Plan BriefOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Miami-Dade County, FL 33012 · 1 person, age 40 · $24,000 income · a baby on the way

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

The Client

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Rationale

Your Estimated Care This Year. With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.
Quoted Silver Savings. This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.
Your tax credit does the heavy lifting. The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.
Worth the difference. It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

$7,152your tax credit this year

$6,685less than the cheapest plan in a big year

Yearly Cost

Light bar: a year with a baby on the way. Solid bar: a big medical year. Every monthly payment included.

Protection (Yearly Max)

Good

$10,600

Our pick

$2,750

Runner-up

$2,900

What You Pay For Care On Our Pick

Prenatal visits	$0
Having the baby (hospital)	15% after deductible
Doctor visit	$20
Specialist visit	$40
Urgent care	$40
Emergency room	15% after deductible

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

17. Price Banner

Your 2026 Health Plan ReportOctober 25, 2026

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

18. Split Top

Your 2026 Health Plan ReportOctober 25, 2026

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

We Searched 188 Plans and 11 Insurance Companies

1Your Estimated Care This Year
2Quoted Silver Savings
3Your tax credit does the heavy lifting

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

19. Receipt

Your 2026 Health Plan ReportOctober 25, 2026

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

Full monthly price$693.06

Your tax credit−$596

You pay each month$97.06

Your estimated year, all in$3,915

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

20. Price Row

Your 2026 Health Plan ReportOctober 25, 2026

Good

Bronze Elite + PCP Saver Plus

$0a month

About $4,541 for your year

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

$97.06a month

About $3,915 for your year

Runner-up

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

$94.62a month

About $4,035 for your year

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

21. Call Bar

Your 2026 Health Plan ReportOctober 25, 2026

AmeriHealth Caritas Next Silver Essential + No Referrals$97.06/mo

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

22. Top: Price Bar

Your 2026 Health Plan ReportOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

$1,000deductible

$2,750most you pay for care

$3,915your estimated year

~~$693.06~~$97.06a month after your tax credit

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

23. Top: Savings Bar

Your 2026 Health Plan ReportOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

Here's the plan we'd pick for you.

Our Pick For You

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO

~~$693.06~~$97.06a month after your tax credit

Your tax credit pays $596You pay $97.06

Full price $693.06 a month. Your tax credit covers 86% of it.

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

24. Top: Price Headline

Your 2026 Health Plan ReportOctober 25, 2026

Your Plan: $97.06 a MonthWe Searched 188 Plans and 11 Insurance Companies to Find It

AmeriHealth Caritas Next Silver Essential + No Referrals

AmeriHealth Caritas Next · Silver · HMO · full price $693.06, $97.06 a month after your tax credit

$3,915your estimated year

$1,000deductible

$2,750the most you pay for care

$7,152tax credit this year

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3

25. Top: Big Numbers

Your 2026 Health Plan ReportOctober 25, 2026

We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less

188plans searched

11insurance companies

$97.06a month after your tax credit

$3,915your estimated year

Our Pick For YouAmeriHealth Caritas Next Silver Essential + No ReferralsAmeriHealth Caritas Next · Silver · HMO

Your Situation

Household1 person, age 40

Yearly income$24,000

Poverty line153% of the line

Extra savingsSilver 87% quoted level

Tax credit$596 a month

Coming upA baby on the way

Why We Picked It

Your Estimated Care This Year

With a baby on the way, this plan comes to about $3,915, including premiums and the modeled care. The separate covered in-network care limit is $2,750 for one person for covered care.

Quoted Silver Savings

This quoted Silver variant has the 87% savings level, matching the income check. Final eligibility is confirmed when you enroll.

Your tax credit does the heavy lifting

The full price is $693.06 a month. Your tax credit pays $596 of it, so you pay $97.06.

Worth the difference

It's $97.06 a month more than the cheapest plan here, and it saves you about $6,685 if the year goes badly.

Your Top 3 Compared

GoodBronze Elite + PCP Saver Plus

Monthly price$0

Deductible$0

Most you pay for care$10,600

Estimated year$4,541

Big medical year$10,600

Our PickAmeriHealth Caritas Next Silver Essential + No Referrals

Monthly price$97.06

Deductible$1,000

Most you pay for care$2,750

Estimated year$3,915

Big medical year$3,915

Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Monthly price$94.62

Deductible$900

Most you pay for care$2,900

Estimated year$4,035

Big medical year$4,035

A tick marks the lowest number in each row.

Every Insurance Company We Searched

188 plans from 11 insurance companies in Miami-Dade County, FL 33012. Some brands file under more than one company.

Ambetter

Cigna

Florida Blue

Plans That Look Cheap But Cost More

AvMed Entrust Bronze 650 (2026) · $90.86 a month

Looks cheap at $90.86 a month, but a year with a baby on the way costs about $11,240, $7,326 more than the Better plan.

Other Plans We Do Not Recommend

Ambetter

Elite Bronze · $119.30 a month

Priced like the plans above, but a big medical year could cost about $11,932, $1,332 more.

Next Step: Lock In AmeriHealth Caritas Next Silver Essential + No Referrals

Your agent can enroll you on the phone and confirm your doctors and medicines first.

What You Pay For Care

Bronze Elite + PCP Saver Plus

Doctor visit	$50
Specialist visit	$125
Generic drugs	$3

AmeriHealth Caritas Next Silver Essential + No Referrals

Doctor visit	$20
Specialist visit	$40
Generic drugs	$15

Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200

Doctor visit	$0
Specialist visit	$25
Generic drugs	$3