Gold Classic Standard
Gold · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $648.86 and $769.20 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 21525FL0010019 |
|---|---|
| Insurer | Oscar Health Maintenance Organization of Florida |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service |
Where it is sold, and what it costs there
12 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Pinellas County | $507.72 | $576.25 | $648.86 | $906.77 | $1,377.93 |
| Hillsborough County | $513.50 | $582.81 | $656.24 | $917.10 | $1,393.62 |
| Pasco County | $518.91 | $588.95 | $663.15 | $926.75 | $1,408.29 |
| Osceola County | $530.52 | $602.13 | $677.99 | $947.49 | $1,439.81 |
| Volusia County | $535.91 | $608.25 | $684.88 | $957.12 | $1,454.43 |
| Orange County | $538.30 | $610.96 | $687.93 | $961.38 | $1,460.92 |
| Lake County | $544.03 | $617.46 | $695.26 | $971.62 | $1,476.47 |
| Seminole County | $545.28 | $618.88 | $696.85 | $973.85 | $1,479.86 |
| Flagler County | $545.76 | $619.43 | $697.47 | $974.71 | $1,481.17 |
| Marion County | $552.20 | $626.73 | $705.70 | $986.21 | $1,498.64 |
| Charlotte County | $592.56 | $672.55 | $757.28 | $1,058.30 | $1,608.19 |
| Polk County | $601.89 | $683.13 | $769.20 | $1,074.96 | $1,633.50 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.