Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Gold · HMO · WellPoint · Florida
At age 40 it costs between $730.54 and $979.01 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 | 44228FL0040009 |
|---|---|
| Insurer | WellPoint |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $1,400 |
| Deductible (family) | $2,800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $5,000 |
| Family maximum | $10,000 |
| Primary care visit | $20 |
| Specialist visit | $75 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $50 |
| Specialty drugs | 50% Coinsurance after deductible |
| 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 | $571.63 | $648.80 | $730.54 | $1,020.93 | $1,551.40 |
| Pinellas County | $571.94 | $649.15 | $730.94 | $1,021.48 | $1,552.25 |
| Polk County | $578.30 | $656.37 | $739.07 | $1,032.84 | $1,569.51 |
| Palm Beach County | $589.92 | $669.56 | $753.92 | $1,053.60 | $1,601.04 |
| Pasco County | $597.70 | $678.39 | $763.86 | $1,067.49 | $1,622.16 |
| Martin County | $616.79 | $700.06 | $788.26 | $1,101.59 | $1,673.97 |
| Broward County | $626.61 | $711.20 | $800.81 | $1,119.13 | $1,700.62 |
| Lee County | $627.60 | $712.33 | $802.07 | $1,120.89 | $1,703.31 |
| Orange County | $635.63 | $721.44 | $812.34 | $1,135.24 | $1,725.10 |
| Miami-Dade County | $638.41 | $724.60 | $815.89 | $1,140.20 | $1,732.64 |
| Brevard County | $638.85 | $725.09 | $816.45 | $1,140.99 | $1,733.84 |
| Manatee County | $649.41 | $737.08 | $829.95 | $1,159.85 | $1,762.50 |
| Desoto County | $655.46 | $743.95 | $837.68 | $1,170.65 | $1,778.92 |
| Marion County | $658.74 | $747.67 | $841.87 | $1,176.51 | $1,787.82 |
| Lake County | $661.15 | $750.41 | $844.95 | $1,180.81 | $1,794.36 |
| Sarasota County | $661.21 | $750.47 | $845.03 | $1,180.92 | $1,794.52 |
| Collier County | $666.09 | $756.01 | $851.26 | $1,189.64 | $1,807.77 |
| Seminole County | $668.81 | $759.10 | $854.74 | $1,194.49 | $1,815.15 |
| Volusia County | $673.87 | $764.84 | $861.21 | $1,203.53 | $1,828.88 |
| Hendry County | $674.86 | $765.97 | $862.47 | $1,205.30 | $1,831.57 |
| Osceola County | $687.40 | $780.20 | $878.50 | $1,227.70 | $1,865.60 |
| Indian River County | $694.07 | $787.77 | $887.02 | $1,239.61 | $1,883.71 |
| Saint Lucie County | $739.61 | $839.46 | $945.22 | $1,320.94 | $2,007.30 |
| Hardee County | $766.05 | $869.47 | $979.01 | $1,368.17 | $2,079.06 |
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.