Standard Gold
Gold · HMO · Ambetter Health · Florida
At age 40 it costs between $578.52 and $1,236.71 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 | 49004FL0010013 |
|---|---|
| Insurer | Ambetter Health |
| 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 | 1-877-687-1169 · 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 | $452.69 | $513.79 | $578.52 | $808.48 | $1,228.57 |
| Brevard County | $457.56 | $519.31 | $584.74 | $817.18 | $1,241.78 |
| Jefferson County | $477.93 | $542.43 | $610.78 | $853.56 | $1,297.06 |
| Wakulla County | $483.13 | $548.34 | $617.43 | $862.85 | $1,311.19 |
| Calhoun County | $488.78 | $554.76 | $624.65 | $872.95 | $1,326.53 |
| Leon County | $492.76 | $559.27 | $629.73 | $880.04 | $1,337.31 |
| Sumter County | $492.76 | $559.27 | $629.73 | $880.04 | $1,337.31 |
| Madison County | $499.81 | $567.27 | $638.74 | $892.64 | $1,356.45 |
| Franklin County | $500.42 | $567.97 | $639.53 | $893.74 | $1,358.12 |
| Holmes County | $504.34 | $572.41 | $644.53 | $900.73 | $1,368.75 |
| Liberty County | $510.83 | $579.78 | $652.83 | $912.33 | $1,386.37 |
| Lake County | $512.40 | $581.56 | $654.83 | $915.13 | $1,390.62 |
| Highlands County | $514.36 | $583.78 | $657.34 | $918.62 | $1,395.94 |
| Gadsden County | $520.18 | $590.39 | $664.77 | $929.02 | $1,411.73 |
| Duval County | $521.91 | $592.36 | $666.99 | $932.12 | $1,416.44 |
| Bay County | $522.64 | $593.18 | $667.92 | $933.42 | $1,418.42 |
| Escambia County | $523.20 | $593.82 | $668.64 | $934.42 | $1,419.94 |
| Gulf County | $523.65 | $594.33 | $669.21 | $935.22 | $1,421.15 |
| Polk County | $528.46 | $599.79 | $675.36 | $943.81 | $1,434.21 |
| Hillsborough County | $529.69 | $601.19 | $676.93 | $946.01 | $1,437.55 |
| Pinellas County | $530.64 | $602.27 | $678.15 | $947.71 | $1,440.14 |
| Bradford County | $534.06 | $606.14 | $682.51 | $953.81 | $1,449.40 |
| Saint Johns County | $534.22 | $606.33 | $682.73 | $954.11 | $1,449.86 |
| Osceola County | $534.78 | $606.97 | $683.44 | $955.11 | $1,451.37 |
| Marion County | $535.45 | $607.73 | $684.30 | $956.30 | $1,453.20 |
| Citrus County | $537.75 | $610.33 | $687.23 | $960.40 | $1,459.42 |
| Charlotte County | $537.97 | $610.59 | $687.52 | $960.80 | $1,460.03 |
| Baker County | $538.98 | $611.73 | $688.80 | $962.60 | $1,462.77 |
| Pasco County | $539.32 | $612.11 | $689.23 | $963.20 | $1,463.68 |
| Manatee County | $540.04 | $612.94 | $690.16 | $964.50 | $1,465.65 |
| Walton County | $543.63 | $617 | $694.74 | $970.90 | $1,475.37 |
| Desoto County | $545.47 | $619.10 | $697.10 | $974.20 | $1,480.38 |
| Okaloosa County | $546.59 | $620.37 | $698.53 | $976.19 | $1,483.42 |
| Sarasota County | $549.84 | $624.05 | $702.68 | $981.99 | $1,492.23 |
| Orange County | $551.96 | $626.47 | $705.40 | $985.79 | $1,498 |
| Alachua County | $566.85 | $643.36 | $724.42 | $1,012.38 | $1,538.40 |
| Hernando County | $574.52 | $652.06 | $734.22 | $1,026.07 | $1,559.21 |
| Volusia County | $575.64 | $653.33 | $735.65 | $1,028.07 | $1,562.25 |
| Martin County | $577.26 | $655.18 | $737.72 | $1,030.97 | $1,566.65 |
| Putnam County | $588.34 | $667.75 | $751.88 | $1,050.76 | $1,596.72 |
| Jackson County | $591.70 | $671.56 | $756.18 | $1,056.75 | $1,605.84 |
| Levy County | $592.87 | $672.90 | $757.68 | $1,058.85 | $1,609.03 |
| Okeechobee County | $594.10 | $674.30 | $759.25 | $1,061.05 | $1,612.37 |
| Collier County | $595.67 | $676.07 | $761.25 | $1,063.85 | $1,616.62 |
| Lee County | $601.49 | $682.68 | $768.69 | $1,074.24 | $1,632.42 |
| Santa Rosa County | $602.39 | $683.70 | $769.84 | $1,075.84 | $1,634.85 |
| Suwannee County | $607.09 | $689.03 | $775.84 | $1,084.24 | $1,647.60 |
| Gilchrist County | $608.26 | $690.37 | $777.35 | $1,086.34 | $1,650.79 |
| Columbia County | $610.11 | $692.46 | $779.71 | $1,089.64 | $1,655.81 |
| Clay County | $615.20 | $698.24 | $786.21 | $1,098.73 | $1,669.63 |
| Dixie County | $619.96 | $703.64 | $792.29 | $1,107.23 | $1,682.54 |
| Palm Beach County | $624.60 | $708.91 | $798.23 | $1,115.52 | $1,695.14 |
| Broward County | $637.19 | $723.20 | $814.32 | $1,138.01 | $1,729.32 |
| Nassau County | $637.59 | $723.65 | $814.82 | $1,138.71 | $1,730.38 |
| Glades County | $664.34 | $754.01 | $849.01 | $1,186.49 | $1,802.98 |
| Seminole County | $670.49 | $761 | $856.87 | $1,197.48 | $1,819.69 |
| Hardee County | $678.66 | $770.27 | $867.32 | $1,212.07 | $1,841.86 |
| Saint Lucie County | $687.73 | $780.56 | $878.90 | $1,228.26 | $1,866.47 |
| Washington County | $688.29 | $781.19 | $879.62 | $1,229.26 | $1,867.98 |
| Union County | $727.29 | $825.47 | $929.47 | $1,298.93 | $1,973.85 |
| Lafayette County | $759.02 | $861.48 | $970.02 | $1,355.60 | $2,059.96 |
| Hamilton County | $967.71 | $1,098.33 | $1,236.71 | $1,728.30 | $2,626.33 |
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.