Standard Gold
Gold · HMO · Ambetter from Meridian · Michigan
At age 40 it costs between $409.43 and $628.79 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 | 58594MI0030025 |
|---|---|
| Insurer | Ambetter from Meridian |
| 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 | 1-833-993-2426 · TTY 1-833-993-2426 |
Where it is sold, and what it costs there
30 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 |
|---|---|---|---|---|---|
| Genesee County | $320.38 | $363.62 | $409.43 | $572.18 | $869.48 |
| Lapeer County | $320.38 | $363.62 | $409.43 | $572.18 | $869.48 |
| Saint Clair County | $357.31 | $405.54 | $456.63 | $638.14 | $969.72 |
| Sanilac County | $364.39 | $413.57 | $465.68 | $650.78 | $988.93 |
| Tuscola County | $364.39 | $413.57 | $465.68 | $650.78 | $988.93 |
| Hillsdale County | $370.07 | $420.02 | $472.94 | $660.93 | $1,004.35 |
| Ingham County | $370.07 | $420.02 | $472.94 | $660.93 | $1,004.35 |
| Jackson County | $370.07 | $420.02 | $472.94 | $660.93 | $1,004.35 |
| Ogemaw County | $370.68 | $420.71 | $473.72 | $662.02 | $1,006 |
| Oscoda County | $370.68 | $420.71 | $473.72 | $662.02 | $1,006 |
| Roscommon County | $370.68 | $420.71 | $473.72 | $662.02 | $1,006 |
| Calhoun County | $371.47 | $421.61 | $474.72 | $663.43 | $1,008.14 |
| Kalamazoo County | $371.47 | $421.61 | $474.72 | $663.43 | $1,008.14 |
| Allegan County | $391.60 | $444.45 | $500.45 | $699.37 | $1,062.77 |
| Barry County | $391.60 | $444.45 | $500.45 | $699.37 | $1,062.77 |
| Washtenaw County | $403.72 | $458.21 | $515.94 | $721.02 | $1,095.66 |
| Berrien County | $420.27 | $476.99 | $537.09 | $750.58 | $1,140.58 |
| Cass County | $420.27 | $476.99 | $537.09 | $750.58 | $1,140.58 |
| Saint Joseph County | $420.27 | $476.99 | $537.09 | $750.58 | $1,140.58 |
| Van Buren County | $420.27 | $476.99 | $537.09 | $750.58 | $1,140.58 |
| Kent County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Lake County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Mason County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Mecosta County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Montcalm County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Muskegon County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Newaygo County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Oceana County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Osceola County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
| Ottawa County | $492.02 | $558.43 | $628.79 | $878.74 | $1,335.32 |
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.