Same sample client in each: Miami-Dade 33012, age 40, $24,000 a year, baby on the way. Design 26 is the one we picked.
26. Top: Card Over BandOur pick
Your Health Plan ReportYour 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
$97.06Monthly premiumwas $693.06
$3,915your year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
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 annual estimate 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 per person for covered care. Premiums, noncovered care and out-of-network bills are extra.
$97.06Monthly premiumwas $693.06
$3,915year estimate, a baby on the way
$2,750out-of-pocket max in a year
What You Pay For Care On This Plan
Prenatal visits
$0
Having the baby (hospital)
15% after deductible
Primary care visit
$20
Specialist visit
$40
Urgent care
$40
Emergency room
15% after deductible
Generic drugs
$15
Brand
$60
Lab tests
15% after deductible
Imaging
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
$0Monthly premiumwas $575.34 · about $4,541 a year
Lowest monthly premium of the plans that fit you.
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
$94.62Monthly premiumwas $690.62 · about $4,035 a year
Next lowest annual estimate with a baby on the way: about $4,035.
The most you pay for covered in-network care in a year: $2,900 per person for covered care. Premiums, noncovered care and out-of-network bills are extra.
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level
Three Ways To Cover You
Good
Lowest monthly premium
$0Monthly premiumwas $575.34
Bronze Elite + PCP Saver Plus
Oscar Health Maintenance Organization of Florida, Inc · Expanded bronze · HMO
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Prenatal visits$0
Having the baby (hospital)$3,000
Primary care visit$50
Specialist visit$125
Lowest monthly premium of the plans that fit you.
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
$97.06Monthly premiumwas $693.06
AmeriHealth Caritas Next Silver Essential + No Referrals
AmeriHealth Caritas Next · Silver · HMO
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Prenatal visits$0
Having the baby (hospital)15% after deductible
Primary care visit$20
Specialist visit$40
Lowest annual estimate 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
$94.62Monthly premiumwas $690.62
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Oscar Health Maintenance Organization of Florida, Inc · Silver · HMO
Deductible$900
Out-of-pocket max$2,900
Year estimate$4,035
Big medical year$4,035
Prenatal visits$0
Having the baby (hospital)30% after deductible
Primary care visit$0
Specialist visit$25
Next lowest annual estimate with a baby on the way: about $4,035.
The most you pay for covered in-network care in a year: $2,900 per person for covered care. Premiums, noncovered care and out-of-network bills are extra.
What You Pay For Care
Bronze Elite + PCP Saver Plus
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level
$97.06Monthly premiumwas $693.06
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.
GoodBronze Elite + PCP Saver Plus
Payments $0Care $4,541Total $4,541Premiums Plus Covered Care Limit $10,600
Better + Best · RecommendedAmeriHealth Caritas Next Silver Essential + No Referrals
Payments $1,165Care $2,750Total $3,915Premiums Plus Covered Care Limit $3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Payments $1,135Care $2,900Total $4,035Premiums Plus Covered Care Limit $4,035
What You Pay For Care
Bronze Elite + PCP Saver Plus
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
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
$0Monthly premiumwas $575.34
Better + Best · Recommended
AmeriHealth Caritas Next Silver Essential + No Referrals
$97.06Monthly premiumwas $693.06
Runner-up
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
$94.62Monthly premiumwas $690.62
Lowest monthly premium
Yes
No
No
Lowest total for a year with a baby on the way
No
Yes
No
Lowest total in a big medical year
No
Yes
No
Lowest out-of-pocket max ($2,750)
No
Yes
No
Doctor visits before the deductible
Yes
Yes
Yes
Why We Picked Better + Best
Lowest annual estimate 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 per person for covered care. Premiums, noncovered care and out-of-network bills are extra.
What You Pay For Care
Bronze Elite + PCP Saver Plus
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
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
$97.06Monthly premiumwas $693.06
$1,000deductible
$2,750most you pay in a year
Lowest annual estimate 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 per person for covered care. Premiums, noncovered care and out-of-network bills are extra.
If you would rather keep the monthly premium as low as possible, the Bronze Elite + PCP Saver Plus has a low monthly premium; or if you want to have the most protection, the Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200 has a big medical year estimate of $4,035.
Reply or call me and I will get you enrolled.
Your True Cost Group agent
At A Glance
Monthly
Deductible
Out-of-pocket max
Year estimate
Good: Bronze Elite + PCP Saver Plus
$0Monthly premiumwas $575.34
$0
$10,600
$4,541
Better + Best: AmeriHealth Caritas Next Silver Essential + No Referrals
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
$0Monthly premiumwas $575.34
The Big Numbers
Deductible
$0
Out-of-pocket max
$10,600
Year estimate (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
Primary care visit
$50
Specialist visit
$125
Urgent care
$75
Emergency room
$2,500
Generic drugs
$3
Brand
$125 after deductible
Lab tests
$65
Imaging
$750
Why This Plan
Lowest monthly premium of the plans that fit you.
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 per person for covered care. Premiums, noncovered care and out-of-network bills are extra.
AmeriHealth Caritas Next Silver Essential + No Referrals
AmeriHealth Caritas Next · Silver · HMO
$97.06Monthly premiumwas $693.06
The Big Numbers
Deductible
$1,000
Out-of-pocket max
$2,750
Year estimate (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
Primary care visit
$20
Specialist visit
$40
Urgent care
$40
Emergency room
15% after deductible
Generic drugs
$15
Brand
$60
Lab tests
15% after deductible
Imaging
15% after deductible
Hospital stay
15% after deductible
Why This Plan
Lowest annual estimate 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 per person for covered care. Premiums, noncovered care and out-of-network bills are extra.
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Oscar Health Maintenance Organization of Florida, Inc · Silver · HMO
$94.62Monthly premiumwas $690.62
The Big Numbers
Deductible
$900
Out-of-pocket max
$2,900
Year estimate (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
Primary care visit
$0
Specialist visit
$25
Urgent care
$45
Emergency room
30% after deductible
Generic drugs
$3
Brand
$75
Lab tests
$35
Imaging
30% after deductible
Hospital stay
30% after deductible
Why This Plan
Next lowest annual estimate with a baby on the way: about $4,035.
The most you pay for covered in-network care in a year: $2,900 per person for covered care. Premiums, noncovered care and out-of-network bills are extra.
Miami-Dade County, FL 330122026 plans1 person, age 40Income $24,000Quoted Silver savings: 87% level
$97.06Monthly premiumwas $693.06
$596Your tax credit per month
$3,915Year estimate on Better + Best
$2,750Out-of-pocket max
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
Why Better + Best
Lowest annual estimate 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 per 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
Primary care visit
$20
Specialist visit
$40
Urgent care
$40
Emergency room
15% after deductible
Generic drugs
$15
Brand
$60
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 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
$97.06Monthly premiumwas $693.06
188plans compared
$3,915your year estimate
$2,750out-of-pocket max
$596tax credit per month
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Prenatal visits$0
Having the baby (hospital)$3,000
Primary care 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 premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Prenatal visits$0
Having the baby (hospital)15% after deductible
Primary care 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 premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$4,035
Big medical year$4,035
Prenatal visits$0
Having the baby (hospital)30% after deductible
Primary care 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 $6,685 less than Bronze Elite + PCP Saver Plus.
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 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
$97.06Monthly premiumwas $693.06
$3,915your year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
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
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Prenatal visits$0
Having the baby (hospital)$3,000
Primary care visit$50
Specialist visit$125
Urgent care$75
Our Pick
Better + Best
AmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Prenatal visits$0
Having the baby (hospital)15% after deductible
Primary care visit$20
Specialist visit$40
Urgent care$40
Runner-up
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$4,035
Big medical year$4,035
Prenatal visits$0
Having the baby (hospital)30% after deductible
Primary care visit$0
Specialist visit$25
Urgent care$45
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportPlan 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
$97.06Monthly premiumwas $693.06
Monthly premium
Deductible
Out-of-pocket max
Year estimate
Big medical year
Prenatal visits
Having the baby (hospital)
Primary care visit
Specialist visit
Urgent care
Lowest monthly premium
Lowest total for your year
Lowest out-of-pocket max
Doctor visits before the deductible
GoodBronze Elite + PCP Saver Plus
$0Monthly premiumwas $575.34
$0
$10,600
$4,541
$10,600
$0
$3,000
$50
$125
$75
Yes
No
No
Yes
RecommendedBetter + BestAmeriHealth Caritas Next Silver Essential + No Referrals
$97.06Monthly premiumwas $693.06
$1,000
$2,750
$3,915
$3,915
$0
15% after deductible
$20
$40
$40
No
Yes
Yes
Yes
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
$94.62Monthly premiumwas $690.62
$900
$2,900
$4,035
$4,035
$0
30% after deductible
$0
$25
$45
No
No
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
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 per 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
Your tax credit reduces the monthly premium shown above.
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.
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportHow 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
$97.06Monthly premiumwas $693.06
$3,915your year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
1
We Looked At Your Details
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
$0Monthly premiumwas $575.34 · $4,541 a year
Better + BestAmeriHealth Caritas Next Silver Essential + No Referrals
$97.06Monthly premiumwas $693.06 · $3,915 a year
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
$94.62Monthly premiumwas $690.62 · $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 per 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
Your tax credit reduces the monthly premium shown above.
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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportPlan 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
$97.06Monthly premiumwas $693.06
How Each Plan Scores On Cost
Shorter is better. Same scale for every plan.
GoodBronze Elite + PCP Saver Plus
Normal year
$4,541
Out-of-pocket max
$10,600
Our pickAmeriHealth Caritas Next Silver Essential + No Referrals
Normal year
$3,915
Out-of-pocket max
$2,750
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Normal year
$4,035
Out-of-pocket max
$2,900
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium
$0Monthly premiumwas $575.34
$97.06Monthly premiumwas $693.06
$94.62Monthly premiumwas $690.62
Deductible
$0
$1,000
$900
Out-of-pocket max
$10,600
$2,750
$2,900
Year estimate
$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
Primary care 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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportHealth 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
$97.06Monthly premiumwas $693.06
$3,915your year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
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 per 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. Your tax credit reduces the monthly premium shown above.
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.
$596your tax credit per month
$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 (Out-of-pocket 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
Primary care visit
$20
Specialist visit
$40
Urgent care
$40
Emergency room
15% after deductible
Your Top 3 Compared
GoodBronze Elite + PCP Saver Plus
Monthly premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 2026 Health Plan ReportOctober 25, 2026
Our Pick For You
AmeriHealth Caritas Next Silver Essential + No Referrals
AmeriHealth Caritas Next · Silver · HMO
$97.06Monthly premiumwas $693.06
$3,915your year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less
Here's the plan we'd pick for you.
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 2026 Health Plan ReportOctober 25, 2026
Our Pick For You
AmeriHealth Caritas Next Silver Essential + No Referrals
AmeriHealth Caritas Next · Silver · HMO
$97.06Monthly premiumwas $693.06
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 year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
Your Top 3 Compared
GoodBronze Elite + PCP Saver Plus
Monthly premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$4,035
Big medical year$4,035
A tick marks the lowest number in each row.
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 2026 Health Plan ReportOctober 25, 2026
Our Pick For You
AmeriHealth Caritas Next Silver Essential + No Referrals
AmeriHealth Caritas Next · Silver · HMO
Your tax credit−$596
$97.06Monthly premiumwas $693.06
Your year estimate, all in$3,915
We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less
Here's the plan we'd pick for you.
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 2026 Health Plan ReportOctober 25, 2026
Good
Bronze Elite + PCP Saver Plus
$0Monthly premiumwas $575.34
About $4,541 for your year
Our Pick For You
AmeriHealth Caritas Next Silver Essential + No Referrals
$97.06Monthly premiumwas $693.06
About $3,915 for your year
Runner-up
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
$94.62Monthly premiumwas $690.62
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 Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 2026 Health Plan ReportOctober 25, 2026
AmeriHealth Caritas Next Silver Essential + No Referrals$97.06Monthly premiumwas $693.06
Our Pick For You
AmeriHealth Caritas Next Silver Essential + No Referrals
AmeriHealth Caritas Next · Silver · HMO
$97.06Monthly premiumwas $693.06
$3,915your year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less
Here's the plan we'd pick for you.
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 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 year estimate
$97.06Monthly premiumwas $693.06
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 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
$97.06Monthly premiumwas $693.06
Your tax credit pay $596$97.06Monthly premiumwas $693.06
Premium before the tax credit $693.06 a month. Your tax credit cover 86% of it.
$3,915your year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 2026 Health Plan ReportOctober 25, 2026
Your Plan: $97.06Monthly premiumwas $693.06We Searched 188 Plans and 11 Insurance Companies to Find It
AmeriHealth Caritas Next Silver Essential + No Referrals
AmeriHealth Caritas Next · Silver · HMO
$3,915your year estimate
$1,000deductible
$2,750out-of-pocket max
$596tax credit per month
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
Your Health Plan ReportYour 2026 Health Plan ReportOctober 25, 2026
We Searched 188 Plansand 11 Insurance CompaniesSo You Pay Less
188plans searched
11insurance companies
$97.06Monthly premiumwas $693.06
$3,915your year estimate
Our Pick For YouAmeriHealth Caritas Next Silver Essential + No ReferralsAmeriHealth Caritas Next · Silver · HMO
Your Details
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 per 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
Your tax credit reduces the monthly premium shown above.
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 premium$0Monthly premiumwas $575.34
Deductible$0
Out-of-pocket max$10,600
Year estimate$4,541
Big medical year$10,600
Our PickAmeriHealth Caritas Next Silver Essential + No Referrals
Monthly premium$97.06Monthly premiumwas $693.06
Deductible$1,000
Out-of-pocket max$2,750
Year estimate$3,915
Big medical year$3,915
Runner-upSilver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Monthly premium$94.62Monthly premiumwas $690.62
Deductible$900
Out-of-pocket max$2,900
Year estimate$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
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
Primary care visit
$50
Specialist visit
$125
Generic drugs
$3
AmeriHealth Caritas Next Silver Essential + No Referrals
Primary care visit
$20
Specialist visit
$40
Generic drugs
$15
Silver Simple Breathe Easy with Enhanced COPD Benefits CSR 200
Primary care visit
$0
Specialist visit
$25
Generic drugs
$3
Overview
Bronze Elite + PCP Saver Plus
Annual estimate: about $4,541 with a baby on the way.
GoodBronze Elite + PCP Saver Plus
