Standard Gold VALUE
Gold · HMO · Ambetter Health · Florida
At age 40 it costs between $729.50 and $923.89 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 | 86382FL0050019 |
|---|---|
| Insurer | Ambetter Health |
| 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 | 1-877-687-1169 · 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 | $570.82 | $647.87 | $729.50 | $1,019.47 | $1,549.18 |
| Pasco County | $592.17 | $672.10 | $756.78 | $1,057.60 | $1,607.12 |
| Orange County | $593.95 | $674.12 | $759.05 | $1,060.78 | $1,611.95 |
| Miami-Dade County | $599.92 | $680.90 | $766.69 | $1,071.44 | $1,628.16 |
| Duval County | $605.77 | $687.53 | $774.16 | $1,081.88 | $1,644.02 |
| Hillsborough County | $609.20 | $691.43 | $778.54 | $1,088.01 | $1,653.34 |
| Lake County | $620.95 | $704.77 | $793.56 | $1,109 | $1,685.24 |
| Broward County | $682.20 | $774.29 | $871.84 | $1,218.39 | $1,851.47 |
| Clay County | $694.40 | $788.13 | $887.43 | $1,240.18 | $1,884.58 |
| Seminole County | $706.60 | $801.98 | $903.02 | $1,261.97 | $1,917.68 |
| Palm Beach County | $722.93 | $820.51 | $923.89 | $1,291.13 | $1,962 |
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.