Everyday Gold
Gold · HMO · Ambetter Health · Florida
At age 40 it costs between $591.05 and $1,263.49 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 | 49004FL0010010 |
|---|---|
| Insurer | Ambetter Health |
| 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 | $7,250 |
| Family maximum | $14,500 |
| Primary care visit | $35 |
| Specialist visit | $55 |
| Emergency room | 35% Coinsurance after deductible |
| Inpatient stay | 35% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $60 |
| 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 | 1-877-687-1169 · TTY 1-800-955-8770 |
Where it is sold, and what it costs there
62 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 |
|---|---|---|---|---|---|
| Indian River County | $462.49 | $524.91 | $591.05 | $825.99 | $1,255.17 |
| Brevard County | $467.46 | $530.56 | $597.40 | $834.87 | $1,268.67 |
| Jefferson County | $488.27 | $554.18 | $624 | $872.04 | $1,325.15 |
| Wakulla County | $493.59 | $560.21 | $630.80 | $881.54 | $1,339.58 |
| Calhoun County | $499.37 | $566.77 | $638.18 | $891.85 | $1,355.25 |
| Leon County | $503.42 | $571.38 | $643.36 | $899.10 | $1,366.27 |
| Sumter County | $503.42 | $571.38 | $643.36 | $899.10 | $1,366.27 |
| Madison County | $510.63 | $579.55 | $652.57 | $911.96 | $1,385.82 |
| Franklin County | $511.26 | $580.27 | $653.37 | $913.09 | $1,387.53 |
| Holmes County | $515.26 | $584.81 | $658.49 | $920.24 | $1,398.39 |
| Liberty County | $521.89 | $592.34 | $666.96 | $932.08 | $1,416.39 |
| Lake County | $523.49 | $594.15 | $669.01 | $934.94 | $1,420.73 |
| Highlands County | $525.49 | $596.42 | $671.57 | $938.51 | $1,426.16 |
| Gadsden County | $531.44 | $603.17 | $679.17 | $949.13 | $1,442.30 |
| Duval County | $533.21 | $605.18 | $681.43 | $952.30 | $1,447.11 |
| Bay County | $533.96 | $606.03 | $682.38 | $953.63 | $1,449.13 |
| Escambia County | $534.53 | $606.68 | $683.11 | $954.65 | $1,450.68 |
| Gulf County | $534.98 | $607.20 | $683.70 | $955.46 | $1,451.92 |
| Polk County | $539.90 | $612.78 | $689.98 | $964.25 | $1,465.27 |
| Hillsborough County | $541.16 | $614.20 | $691.59 | $966.49 | $1,468.68 |
| Pinellas County | $542.13 | $615.31 | $692.83 | $968.23 | $1,471.32 |
| Bradford County | $545.62 | $619.27 | $697.29 | $974.46 | $1,480.78 |
| Saint Johns County | $545.79 | $619.46 | $697.51 | $974.76 | $1,481.25 |
| Osceola County | $546.36 | $620.11 | $698.24 | $975.79 | $1,482.80 |
| Marion County | $547.05 | $620.89 | $699.11 | $977.01 | $1,484.66 |
| Citrus County | $549.39 | $623.55 | $702.11 | $981.20 | $1,491.02 |
| Charlotte County | $549.62 | $623.81 | $702.40 | $981.61 | $1,491.64 |
| Baker County | $550.65 | $624.98 | $703.72 | $983.44 | $1,494.44 |
| Pasco County | $550.99 | $625.37 | $704.16 | $984.06 | $1,495.37 |
| Manatee County | $551.74 | $626.21 | $705.11 | $985.38 | $1,497.39 |
| Walton County | $555.40 | $630.36 | $709.78 | $991.92 | $1,507.32 |
| Desoto County | $557.28 | $632.50 | $712.19 | $995.29 | $1,512.44 |
| Okaloosa County | $558.43 | $633.80 | $713.66 | $997.33 | $1,515.54 |
| Sarasota County | $561.74 | $637.57 | $717.89 | $1,003.25 | $1,524.54 |
| Orange County | $563.91 | $640.03 | $720.67 | $1,007.13 | $1,530.44 |
| Alachua County | $579.12 | $657.29 | $740.11 | $1,034.30 | $1,571.71 |
| Hernando County | $586.96 | $666.18 | $750.12 | $1,048.28 | $1,592.97 |
| Volusia County | $588.10 | $667.48 | $751.58 | $1,050.33 | $1,596.07 |
| Martin County | $589.76 | $669.36 | $753.70 | $1,053.29 | $1,600.57 |
| Putnam County | $601.08 | $682.21 | $768.16 | $1,073.51 | $1,631.30 |
| Jackson County | $604.51 | $686.11 | $772.55 | $1,079.63 | $1,640.61 |
| Levy County | $605.71 | $687.47 | $774.08 | $1,081.78 | $1,643.87 |
| Okeechobee County | $606.97 | $688.90 | $775.69 | $1,084.02 | $1,647.28 |
| Collier County | $608.57 | $690.71 | $777.74 | $1,086.88 | $1,651.62 |
| Lee County | $614.51 | $697.46 | $785.34 | $1,097.50 | $1,667.76 |
| Santa Rosa County | $615.43 | $698.50 | $786.50 | $1,099.14 | $1,670.24 |
| Suwannee County | $620.23 | $703.95 | $792.64 | $1,107.71 | $1,683.28 |
| Gilchrist County | $621.43 | $705.31 | $794.18 | $1,109.86 | $1,686.54 |
| Columbia County | $623.32 | $707.45 | $796.59 | $1,113.23 | $1,691.66 |
| Clay County | $628.52 | $713.36 | $803.24 | $1,122.52 | $1,705.78 |
| Dixie County | $633.38 | $718.88 | $809.45 | $1,131.20 | $1,718.97 |
| Palm Beach County | $638.13 | $724.26 | $815.51 | $1,139.68 | $1,731.85 |
| Broward County | $650.99 | $738.86 | $831.95 | $1,162.65 | $1,766.76 |
| Nassau County | $651.39 | $739.32 | $832.46 | $1,163.37 | $1,767.85 |
| Glades County | $678.72 | $770.34 | $867.39 | $1,212.17 | $1,842.02 |
| Seminole County | $685.01 | $777.47 | $875.43 | $1,223.41 | $1,859.09 |
| Hardee County | $693.36 | $786.95 | $886.10 | $1,238.32 | $1,881.74 |
| Saint Lucie County | $702.62 | $797.46 | $897.93 | $1,254.86 | $1,906.88 |
| Washington County | $703.19 | $798.11 | $898.66 | $1,255.88 | $1,908.43 |
| Union County | $743.04 | $843.34 | $949.59 | $1,327.05 | $2,016.58 |
| Lafayette County | $775.46 | $880.13 | $991.02 | $1,384.95 | $2,104.56 |
| Hamilton County | $988.66 | $1,122.12 | $1,263.49 | $1,765.73 | $2,683.19 |
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.