Gold Classic Standard
Gold · HMO · Oscar Health Maintenance Organization of Florida · Florida
At age 40 it costs between $622.87 and $881.45 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 | 21525FL0020015 |
|---|---|
| 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
20 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 |
|---|---|---|---|---|---|
| Hernando County | $487.39 | $553.18 | $622.87 | $870.46 | $1,322.75 |
| Palm Beach County | $507.02 | $575.45 | $647.96 | $905.52 | $1,376.02 |
| Broward County | $512.45 | $581.62 | $654.90 | $915.22 | $1,390.77 |
| Bay County | $512.54 | $581.72 | $655.01 | $915.38 | $1,391.01 |
| Duval County | $512.54 | $581.72 | $655.01 | $915.38 | $1,391.01 |
| Escambia County | $512.54 | $581.72 | $655.01 | $915.38 | $1,391.01 |
| Miami-Dade County | $513 | $582.25 | $655.60 | $916.20 | $1,392.26 |
| Clay County | $527.92 | $599.17 | $674.66 | $942.84 | $1,432.74 |
| Brevard County | $545.94 | $619.63 | $697.70 | $975.03 | $1,481.65 |
| Walton County | $549.06 | $623.18 | $701.69 | $980.61 | $1,490.13 |
| Saint Johns County | $556.51 | $631.62 | $711.20 | $993.90 | $1,510.33 |
| Martin County | $561 | $636.72 | $716.94 | $1,001.92 | $1,522.52 |
| Manatee County | $562.12 | $638 | $718.38 | $1,003.93 | $1,525.57 |
| Citrus County | $575.04 | $652.66 | $734.89 | $1,027.01 | $1,560.64 |
| Leon County | $590.33 | $670.01 | $754.42 | $1,054.31 | $1,602.12 |
| Okaloosa County | $596.25 | $676.74 | $762 | $1,064.89 | $1,618.20 |
| Alachua County | $605.43 | $687.15 | $773.72 | $1,081.27 | $1,643.10 |
| Sarasota County | $610.80 | $693.25 | $780.59 | $1,090.87 | $1,657.68 |
| Saint Lucie County | $616.11 | $699.27 | $787.37 | $1,100.35 | $1,672.09 |
| Santa Rosa County | $689.72 | $782.82 | $881.45 | $1,231.83 | $1,871.88 |
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.
Get told when this changes
When this plan’s price or benefits change.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
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.