Capital Health Plan HMO Gold 3000 — full price in Franklin County, Florida (2026)
Capital Health Plan HMO Gold 3000 (66966FL0050003), a gold plan from Capital Health Plan in Franklin County, Florida, costs $735.80/month full price for a 40-year-old in 2026 — $1562.57 at 60, with a $0 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 66966FL0050003 · Issuer: Capital Health Plan · 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 | $575.74 |
| 27 | $603.38 |
| 30 | $653.47 |
| 40 | $735.80 |
| 50 | $1028.28 |
| 60 | $1562.57 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $652.80/mo. This plan is $735.80/mo at 40 — a difference of $83.00/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 Franklin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $639.53 |
| Everyday Gold | Ambetter Health | $653.37 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $656.83 |
| Everyday Gold + Vision + Adult Dental | Ambetter Health | $671.05 |
| Capital Health Plan HMO Gold 3100 | Capital Health Plan | $672.58 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 66966FL0050003 in FIPS 12037.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Franklin County
Reviewed by Jason Burns, Editorial Steward.