Gold Elite Saver Plus | with AdventHealth — full price in Charlotte County, Florida (2026)
Gold Elite Saver Plus | with AdventHealth (21525FL0010022), a gold plan from Oscar Health Maintenance Organization of Florida in Charlotte County, Florida, costs $688.54/month full price for a 40-year-old in 2026 — $1462.21 at 60, with a $0 deductible and $9,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 21525FL0010022 · Issuer: Oscar Health Maintenance Organization of Florida · 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 | $538.78 |
| 27 | $564.63 |
| 30 | $611.50 |
| 40 | $688.54 |
| 50 | $962.23 |
| 60 | $1462.21 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,500
- Family out-of-pocket max: $19,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $702.52/mo. This plan is $688.54/mo at 40 — a difference of $-13.98/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.
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Other gold plans in Charlotte County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | with AdventHealth | Oscar Health Maintenance Organization of Florida | $686.63 |
| Standard Gold | Ambetter Health | $687.52 |
| Everyday Gold | Ambetter Health | $702.40 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $706.12 |
| Gold Classic Standard | with AdventHealth | Oscar Health Maintenance Organization of Florida | $721.29 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 21525FL0010022 in FIPS 12015.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Charlotte County
Reviewed by Jason Burns, Editorial Steward.