Complete VALUE Gold
Gold · HMO · Ambetter Health · Florida
At age 40 it costs between $770.20 and $975.44 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 | 86382FL0050010 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $1,450 |
| Deductible (family) | $2,900 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,500 |
| Family maximum | $15,000 |
| Primary care visit | $15 |
| Specialist visit | $35 |
| Emergency room | 20% Coinsurance after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $30 |
| Specialty drugs | 30% Coinsurance after deductible |
| 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 | 1-877-687-1169 · TTY 1-800-955-8770 |
Where it is sold, and what it costs there
11 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 | $602.67 | $684.02 | $770.20 | $1,076.35 | $1,635.62 |
| Pasco County | $625.21 | $709.60 | $799 | $1,116.60 | $1,696.79 |
| Orange County | $627.09 | $711.73 | $801.40 | $1,119.96 | $1,701.88 |
| Miami-Dade County | $633.39 | $718.89 | $809.46 | $1,131.22 | $1,719 |
| Duval County | $639.56 | $725.89 | $817.35 | $1,142.24 | $1,735.75 |
| Hillsborough County | $643.19 | $730 | $821.98 | $1,148.71 | $1,745.58 |
| Lake County | $655.60 | $744.09 | $837.84 | $1,170.88 | $1,779.26 |
| Broward County | $720.26 | $817.49 | $920.48 | $1,286.37 | $1,954.76 |
| Clay County | $733.14 | $832.10 | $936.94 | $1,309.37 | $1,989.72 |
| Seminole County | $746.02 | $846.72 | $953.40 | $1,332.38 | $2,024.67 |
| Palm Beach County | $763.26 | $866.29 | $975.44 | $1,363.17 | $2,071.46 |
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.