Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Gold · HMO · WellPoint · Florida
At age 40 it costs between $714.84 and $957.95 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 | 44228FL0040010 |
|---|---|
| Insurer | WellPoint |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $800 |
| Deductible (family) | $1,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,000 |
| Family maximum | $18,000 |
| Primary care visit | $10 |
| Specialist visit | $45 |
| Emergency room | $500 Copay after deductible and 30% Coinsurance after deductible |
| Inpatient stay | $500 Copay per Stay after deductible and 30% 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 | $559.34 | $634.85 | $714.84 | $998.98 | $1,518.05 |
| Pinellas County | $559.64 | $635.19 | $715.22 | $999.52 | $1,518.86 |
| Polk County | $565.87 | $642.26 | $723.18 | $1,010.64 | $1,535.77 |
| Palm Beach County | $577.23 | $655.16 | $737.70 | $1,030.93 | $1,566.60 |
| Pasco County | $584.85 | $663.80 | $747.44 | $1,044.54 | $1,587.28 |
| Martin County | $603.53 | $685.01 | $771.31 | $1,077.90 | $1,637.98 |
| Broward County | $613.14 | $695.91 | $783.59 | $1,095.07 | $1,664.06 |
| Lee County | $614.10 | $697 | $784.82 | $1,096.78 | $1,666.67 |
| Orange County | $621.96 | $705.92 | $794.86 | $1,110.82 | $1,688 |
| Miami-Dade County | $624.68 | $709.01 | $798.34 | $1,115.68 | $1,695.38 |
| Brevard County | $625.11 | $709.50 | $798.89 | $1,116.45 | $1,696.55 |
| Manatee County | $635.44 | $721.22 | $812.09 | $1,134.90 | $1,724.58 |
| Desoto County | $641.37 | $727.95 | $819.67 | $1,145.49 | $1,740.68 |
| Marion County | $644.57 | $731.59 | $823.76 | $1,151.20 | $1,749.36 |
| Lake County | $646.93 | $734.27 | $826.78 | $1,155.42 | $1,755.77 |
| Sarasota County | $646.99 | $734.33 | $826.85 | $1,155.52 | $1,755.93 |
| Collier County | $651.76 | $739.75 | $832.95 | $1,164.04 | $1,768.88 |
| Seminole County | $654.42 | $742.77 | $836.35 | $1,168.79 | $1,776.10 |
| Volusia County | $659.38 | $748.40 | $842.69 | $1,177.65 | $1,789.56 |
| Hendry County | $660.35 | $749.50 | $843.93 | $1,179.39 | $1,792.19 |
| Osceola County | $672.62 | $763.42 | $859.61 | $1,201.30 | $1,825.49 |
| Indian River County | $679.15 | $770.84 | $867.95 | $1,212.96 | $1,843.21 |
| Saint Lucie County | $723.70 | $821.40 | $924.89 | $1,292.53 | $1,964.12 |
| Hardee County | $749.57 | $850.76 | $957.95 | $1,338.73 | $2,034.33 |
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.