Octave Gold Classic National — full price in Garland County, Arkansas (2026)
Octave Gold Classic National (48772AR0010008), a gold plan from Octave in Garland County, Arkansas, costs $646.55/month full price for a 40-year-old in 2026 — $1373.04 at 60, with a $5,900 deductible and $6,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 48772AR0010008 · Issuer: Octave · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $505.91 |
| 27 | $530.19 |
| 30 | $574.21 |
| 40 | $646.55 |
| 50 | $903.56 |
| 60 | $1373.04 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,900
- Family deductible: $11,800
- Individual out-of-pocket max: $6,000
- Family out-of-pocket max: $12,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $773.96/mo. This plan is $646.55/mo at 40 — a difference of $-127.41/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Garland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Value | Arkansas Blue Cross and Blue Shield | $665.77 |
| Standard Gold (QualChoice) | Ambetter from Arkansas Health & Wellness | $669.92 |
| HA Gold Premier National | Health Advantage | $671.19 |
| Standard Gold (QualChoiceLife) | Ambetter from Arkansas Health & Wellness | $685.07 |
| Standard Gold | Ambetter from Arkansas Health & Wellness | $688.85 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 48772AR0010008 in FIPS 05051.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Garland County
Reviewed by Jason Burns, Editorial Steward.