UHC Gold Standard
Gold · HMO · UnitedHealthcare · Florida
At age 40 it costs between $814.84 and $1,280.08 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 | 68398FL0030036 |
|---|---|
| Insurer | UnitedHealthcare |
| 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 | Yes |
| 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 | 1-888-200-0405 · TTY 1-888-200-0405 |
Where it is sold, and what it costs there
32 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 |
|---|---|---|---|---|---|
| Lee County | $637.59 | $723.66 | $814.84 | $1,138.73 | $1,730.42 |
| Palm Beach County | $670.27 | $760.75 | $856.60 | $1,197.09 | $1,819.10 |
| Miami-Dade County | $671.07 | $761.66 | $857.63 | $1,198.53 | $1,821.28 |
| Broward County | $672.81 | $763.64 | $859.85 | $1,201.64 | $1,826.01 |
| Liberty County | $682.34 | $774.46 | $872.03 | $1,218.66 | $1,851.87 |
| Escambia County | $691.16 | $784.47 | $883.30 | $1,234.41 | $1,875.81 |
| Santa Rosa County | $707.76 | $803.31 | $904.52 | $1,264.06 | $1,920.86 |
| Lake County | $721.71 | $819.14 | $922.34 | $1,288.97 | $1,958.72 |
| Hendry County | $727.26 | $825.44 | $929.44 | $1,298.88 | $1,973.78 |
| Orange County | $730.46 | $829.08 | $933.53 | $1,304.61 | $1,982.48 |
| Madison County | $730.65 | $829.29 | $933.77 | $1,304.94 | $1,982.98 |
| Wakulla County | $732.19 | $831.04 | $935.74 | $1,307.69 | $1,987.17 |
| Leon County | $734.09 | $833.19 | $938.17 | $1,311.09 | $1,992.33 |
| Glades County | $736.06 | $835.42 | $940.68 | $1,314.60 | $1,997.66 |
| Hillsborough County | $739.01 | $838.78 | $944.46 | $1,319.87 | $2,005.68 |
| Seminole County | $741.11 | $841.16 | $947.14 | $1,323.63 | $2,011.38 |
| Osceola County | $743.38 | $843.73 | $950.04 | $1,327.67 | $2,017.53 |
| Volusia County | $746.62 | $847.41 | $954.18 | $1,333.46 | $2,026.32 |
| Gadsden County | $754.10 | $855.90 | $963.74 | $1,346.82 | $2,046.62 |
| Manatee County | $755.29 | $857.25 | $965.26 | $1,348.94 | $2,049.85 |
| Flagler County | $755.50 | $857.49 | $965.52 | $1,349.32 | $2,050.42 |
| Calhoun County | $756.70 | $858.86 | $967.06 | $1,351.47 | $2,053.69 |
| Pasco County | $767.21 | $870.79 | $980.50 | $1,370.24 | $2,082.22 |
| Jefferson County | $770.65 | $874.69 | $984.89 | $1,376.38 | $2,091.54 |
| Collier County | $770.73 | $874.78 | $985 | $1,376.53 | $2,091.77 |
| Brevard County | $773.67 | $878.12 | $988.76 | $1,381.78 | $2,099.75 |
| Marion County | $781.27 | $886.74 | $998.46 | $1,395.34 | $2,120.36 |
| Desoto County | $785.40 | $891.43 | $1,003.74 | $1,402.72 | $2,131.57 |
| Taylor County | $791.90 | $898.81 | $1,012.05 | $1,414.34 | $2,149.22 |
| Polk County | $810.19 | $919.56 | $1,035.42 | $1,446.99 | $2,198.85 |
| Highlands County | $990.17 | $1,123.84 | $1,265.44 | $1,768.45 | $2,687.32 |
| Hardee County | $1,001.63 | $1,136.85 | $1,280.08 | $1,788.91 | $2,718.42 |
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.