Molina Gold Standard
Gold · HMO · Molina Healthcare · Florida
At age 40 it costs between $737.69 and $1,054.15 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 | 54172FL0010008 |
|---|---|
| Insurer | Molina Healthcare |
| 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 | 1-888-560-5716 · TTY 1-800-955-8771 |
Where it is sold, and what it costs there
20 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 |
|---|---|---|---|---|---|
| Osceola County | $577.22 | $655.15 | $737.69 | $1,030.92 | $1,566.58 |
| Marion County | $600.59 | $681.67 | $767.56 | $1,072.66 | $1,630.01 |
| Lake County | $606.25 | $688.09 | $774.78 | $1,082.76 | $1,645.35 |
| Bradford County | $610.34 | $692.74 | $780.02 | $1,090.07 | $1,656.47 |
| Broward County | $614.69 | $697.67 | $785.57 | $1,097.84 | $1,668.27 |
| Baker County | $619.11 | $702.69 | $791.23 | $1,105.74 | $1,680.28 |
| Desoto County | $619.52 | $703.15 | $791.74 | $1,106.45 | $1,681.37 |
| Miami-Dade County | $622.40 | $706.42 | $795.43 | $1,111.61 | $1,689.19 |
| Palm Beach County | $625.62 | $710.08 | $799.54 | $1,117.36 | $1,697.93 |
| Polk County | $649.71 | $737.43 | $830.33 | $1,160.39 | $1,763.32 |
| Hillsborough County | $655.32 | $743.79 | $837.51 | $1,170.41 | $1,778.55 |
| Pasco County | $660.07 | $749.18 | $843.57 | $1,178.89 | $1,791.44 |
| Collier County | $666.87 | $756.90 | $852.26 | $1,191.03 | $1,809.89 |
| Seminole County | $669.20 | $759.54 | $855.23 | $1,195.19 | $1,816.20 |
| Orange County | $680.73 | $772.63 | $869.97 | $1,215.79 | $1,847.50 |
| Hendry County | $697.18 | $791.30 | $891 | $1,245.17 | $1,892.16 |
| Pinellas County | $704.33 | $799.42 | $900.13 | $1,257.93 | $1,911.55 |
| Duval County | $720.93 | $818.25 | $921.35 | $1,287.58 | $1,956.60 |
| Clay County | $729.47 | $827.95 | $932.27 | $1,302.84 | $1,979.79 |
| Hardee County | $824.84 | $936.20 | $1,054.15 | $1,473.17 | $2,238.63 |
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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When this plan’s price or benefits change.
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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.