Standard Gold + Vision + Adult Dental
Gold · HMO · Ambetter Health · Florida
At age 40 it costs between $594.17 and $1,270.17 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 | 49004FL0020012 |
|---|---|
| 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 | Yes |
| Child dental included | No |
| Share of premium buying essential health benefits | 97.37% |
| 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 | $464.93 | $527.69 | $594.17 | $830.35 | $1,261.80 |
| Brevard County | $469.93 | $533.36 | $600.56 | $839.29 | $1,275.38 |
| Jefferson County | $490.86 | $557.11 | $627.30 | $876.65 | $1,332.16 |
| Wakulla County | $496.20 | $563.18 | $634.13 | $886.20 | $1,346.66 |
| Calhoun County | $502.01 | $569.77 | $641.55 | $896.57 | $1,362.42 |
| Leon County | $506.09 | $574.40 | $646.77 | $903.85 | $1,373.49 |
| Sumter County | $506.09 | $574.40 | $646.77 | $903.85 | $1,373.49 |
| Madison County | $513.33 | $582.62 | $656.02 | $916.79 | $1,393.15 |
| Franklin County | $513.96 | $583.33 | $656.83 | $917.92 | $1,394.86 |
| Holmes County | $517.98 | $587.90 | $661.97 | $925.10 | $1,405.78 |
| Liberty County | $524.65 | $595.47 | $670.49 | $937.01 | $1,423.88 |
| Lake County | $526.26 | $597.30 | $672.55 | $939.88 | $1,428.25 |
| Highlands County | $528.27 | $599.58 | $675.12 | $943.48 | $1,433.71 |
| Gadsden County | $534.25 | $606.36 | $682.76 | $954.15 | $1,449.93 |
| Duval County | $536.03 | $608.39 | $685.04 | $957.34 | $1,454.76 |
| Bay County | $536.78 | $609.23 | $685.99 | $958.67 | $1,456.79 |
| Escambia County | $537.35 | $609.89 | $686.73 | $959.70 | $1,458.35 |
| Gulf County | $537.81 | $610.41 | $687.31 | $960.52 | $1,459.60 |
| Polk County | $542.76 | $616.02 | $693.63 | $969.35 | $1,473.02 |
| Hillsborough County | $544.02 | $617.45 | $695.25 | $971.60 | $1,476.45 |
| Pinellas County | $545 | $618.56 | $696.50 | $973.35 | $1,479.10 |
| Bradford County | $548.50 | $622.54 | $700.98 | $979.61 | $1,488.61 |
| Saint Johns County | $548.68 | $622.74 | $701.20 | $979.92 | $1,489.08 |
| Osceola County | $549.25 | $623.39 | $701.93 | $980.95 | $1,490.64 |
| Marion County | $549.94 | $624.17 | $702.81 | $982.18 | $1,492.51 |
| Citrus County | $552.30 | $626.85 | $705.82 | $986.39 | $1,498.91 |
| Charlotte County | $552.53 | $627.11 | $706.12 | $986.80 | $1,499.53 |
| Baker County | $553.56 | $628.28 | $707.44 | $988.64 | $1,502.34 |
| Pasco County | $553.91 | $628.67 | $707.88 | $989.26 | $1,503.28 |
| Manatee County | $554.65 | $629.52 | $708.84 | $990.59 | $1,505.30 |
| Walton County | $558.33 | $633.70 | $713.54 | $997.16 | $1,515.29 |
| Desoto County | $560.23 | $635.85 | $715.96 | $1,000.55 | $1,520.44 |
| Okaloosa County | $561.38 | $637.15 | $717.43 | $1,002.61 | $1,523.56 |
| Sarasota County | $564.71 | $640.94 | $721.69 | $1,008.56 | $1,532.60 |
| Orange County | $566.90 | $643.42 | $724.48 | $1,012.46 | $1,538.53 |
| Alachua County | $582.19 | $660.77 | $744.02 | $1,039.77 | $1,580.02 |
| Hernando County | $590.06 | $669.71 | $754.08 | $1,053.83 | $1,601.39 |
| Volusia County | $591.21 | $671.01 | $755.55 | $1,055.88 | $1,604.51 |
| Martin County | $592.88 | $672.90 | $757.68 | $1,058.86 | $1,609.04 |
| Putnam County | $604.26 | $685.82 | $772.23 | $1,079.18 | $1,639.92 |
| Jackson County | $607.70 | $689.73 | $776.63 | $1,085.34 | $1,649.28 |
| Levy County | $608.91 | $691.10 | $778.18 | $1,087.50 | $1,652.56 |
| Okeechobee County | $610.18 | $692.54 | $779.79 | $1,089.76 | $1,655.99 |
| Collier County | $611.79 | $694.37 | $781.85 | $1,092.63 | $1,660.36 |
| Lee County | $617.76 | $701.15 | $789.49 | $1,103.31 | $1,676.58 |
| Santa Rosa County | $618.68 | $702.19 | $790.66 | $1,104.95 | $1,679.08 |
| Suwannee County | $623.51 | $707.67 | $796.83 | $1,113.57 | $1,692.18 |
| Gilchrist County | $624.72 | $709.04 | $798.38 | $1,115.73 | $1,695.46 |
| Columbia County | $626.61 | $711.20 | $800.80 | $1,119.12 | $1,700.60 |
| Clay County | $631.84 | $717.13 | $807.48 | $1,128.46 | $1,714.80 |
| Dixie County | $636.73 | $722.68 | $813.73 | $1,137.18 | $1,728.06 |
| Palm Beach County | $641.50 | $728.09 | $819.83 | $1,145.70 | $1,741.01 |
| Broward County | $654.43 | $742.77 | $836.35 | $1,168.80 | $1,776.10 |
| Nassau County | $654.84 | $743.23 | $836.87 | $1,169.52 | $1,777.20 |
| Glades County | $682.31 | $774.41 | $871.98 | $1,218.59 | $1,851.76 |
| Seminole County | $688.63 | $781.59 | $880.06 | $1,229.88 | $1,868.92 |
| Hardee County | $697.02 | $791.11 | $890.78 | $1,244.86 | $1,891.69 |
| Saint Lucie County | $706.33 | $801.68 | $902.68 | $1,261.49 | $1,916.96 |
| Washington County | $706.91 | $802.33 | $903.42 | $1,262.52 | $1,918.52 |
| Union County | $746.97 | $847.80 | $954.61 | $1,334.07 | $2,027.25 |
| Lafayette County | $779.56 | $884.79 | $996.26 | $1,392.27 | $2,115.69 |
| Hamilton County | $993.89 | $1,128.05 | $1,270.17 | $1,775.06 | $2,697.38 |
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.