Standard Gold + Vision + Adult Dental
Gold · HMO · Ambetter from Meridian · Michigan
At age 40 it costs between $424.49 and $651.92 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 | 58594MI0040026 |
|---|---|
| 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 | Yes |
| Child dental included | No |
| Share of premium buying essential health benefits | 96.45% |
| 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 | $332.17 | $377 | $424.49 | $593.23 | $901.47 |
| Lapeer County | $332.17 | $377 | $424.49 | $593.23 | $901.47 |
| Saint Clair County | $370.46 | $420.46 | $473.43 | $661.62 | $1,005.39 |
| Sanilac County | $377.79 | $428.79 | $482.81 | $674.72 | $1,025.31 |
| Tuscola County | $377.79 | $428.79 | $482.81 | $674.72 | $1,025.31 |
| Hillsdale County | $383.69 | $435.47 | $490.34 | $685.25 | $1,041.30 |
| Ingham County | $383.69 | $435.47 | $490.34 | $685.25 | $1,041.30 |
| Jackson County | $383.69 | $435.47 | $490.34 | $685.25 | $1,041.30 |
| Ogemaw County | $384.32 | $436.19 | $491.15 | $686.37 | $1,043.01 |
| Oscoda County | $384.32 | $436.19 | $491.15 | $686.37 | $1,043.01 |
| Roscommon County | $384.32 | $436.19 | $491.15 | $686.37 | $1,043.01 |
| Calhoun County | $385.13 | $437.12 | $492.19 | $687.83 | $1,045.23 |
| Kalamazoo County | $385.13 | $437.12 | $492.19 | $687.83 | $1,045.23 |
| Allegan County | $406 | $460.80 | $518.86 | $725.10 | $1,101.86 |
| Barry County | $406 | $460.80 | $518.86 | $725.10 | $1,101.86 |
| Washtenaw County | $418.57 | $475.06 | $534.92 | $747.54 | $1,135.97 |
| Berrien County | $435.73 | $494.54 | $556.85 | $778.20 | $1,182.54 |
| Cass County | $435.73 | $494.54 | $556.85 | $778.20 | $1,182.54 |
| Saint Joseph County | $435.73 | $494.54 | $556.85 | $778.20 | $1,182.54 |
| Van Buren County | $435.73 | $494.54 | $556.85 | $778.20 | $1,182.54 |
| Kent County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Lake County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Mason County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Mecosta County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Montcalm County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Muskegon County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Newaygo County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Oceana County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Osceola County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
| Ottawa County | $510.12 | $578.98 | $651.92 | $911.06 | $1,384.45 |
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.