Wellpoint Essential Gold 2000 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard
Gold · HMO · WellPoint · Florida
At age 40 it costs between $729.51 and $977.62 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 | 44228FL0040003 |
|---|---|
| Insurer | WellPoint |
| 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 | 1-833-476-1459 · TTY 1-711-000-0000 |
Where it is sold, and what it costs there
24 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 |
|---|---|---|---|---|---|
| Hillsborough County | $570.82 | $647.88 | $729.51 | $1,019.48 | $1,549.21 |
| Pinellas County | $571.13 | $648.23 | $729.90 | $1,020.04 | $1,550.05 |
| Polk County | $577.48 | $655.44 | $738.02 | $1,031.38 | $1,567.28 |
| Palm Beach County | $589.08 | $668.61 | $752.84 | $1,052.10 | $1,598.76 |
| Pasco County | $596.85 | $677.42 | $762.77 | $1,065.97 | $1,619.85 |
| Martin County | $615.91 | $699.06 | $787.13 | $1,100.02 | $1,671.58 |
| Broward County | $625.72 | $710.19 | $799.67 | $1,117.54 | $1,698.20 |
| Lee County | $626.71 | $711.32 | $800.94 | $1,119.30 | $1,700.89 |
| Orange County | $634.73 | $720.42 | $811.18 | $1,133.63 | $1,722.66 |
| Miami-Dade County | $637.50 | $723.56 | $814.73 | $1,138.58 | $1,730.18 |
| Brevard County | $637.94 | $724.06 | $815.29 | $1,139.36 | $1,731.37 |
| Manatee County | $648.49 | $736.04 | $828.77 | $1,158.20 | $1,760 |
| Desoto County | $654.53 | $742.89 | $836.49 | $1,168.99 | $1,776.39 |
| Marion County | $657.80 | $746.60 | $840.67 | $1,174.83 | $1,785.27 |
| Lake County | $660.21 | $749.34 | $843.75 | $1,179.14 | $1,791.81 |
| Sarasota County | $660.27 | $749.41 | $843.83 | $1,179.24 | $1,791.97 |
| Collier County | $665.14 | $754.93 | $850.05 | $1,187.94 | $1,805.19 |
| Seminole County | $667.86 | $758.02 | $853.53 | $1,192.80 | $1,812.57 |
| Volusia County | $672.91 | $763.75 | $859.98 | $1,201.82 | $1,826.28 |
| Hendry County | $673.90 | $764.88 | $861.24 | $1,203.59 | $1,828.96 |
| Osceola County | $686.42 | $779.09 | $877.24 | $1,225.95 | $1,862.94 |
| Indian River County | $693.09 | $786.66 | $885.77 | $1,237.86 | $1,881.05 |
| Saint Lucie County | $738.55 | $838.25 | $943.87 | $1,319.05 | $2,004.42 |
| Hardee County | $764.96 | $868.23 | $977.62 | $1,366.22 | $2,076.10 |
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.