Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Manatee County, Florida (2026)
Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) (44228FL0040014), a gold plan from Wellpoint in Manatee County, Florida, costs $820.08/month full price for a 40-year-old in 2026 — $1741.55 at 60, with a $800 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 44228FL0040014 · Issuer: Wellpoint · 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 | $641.69 |
| 27 | $672.49 |
| 30 | $728.32 |
| 40 | $820.08 |
| 50 | $1146.06 |
| 60 | $1741.55 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $800
- Family deductible: $1,600
- Individual out-of-pocket max: $9,000
- Family out-of-pocket max: $18,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $705.22/mo. This plan is $820.08/mo at 40 — a difference of $114.86/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 Manatee County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Health Maintenance Organization of Florida | $683.85 |
| Standard Gold | Ambetter Health | $690.16 |
| Everyday Gold | Ambetter Health | $705.11 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $708.84 |
| Gold Classic Standard | Oscar Health Maintenance Organization of Florida | $718.38 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 44228FL0040014 in FIPS 12081.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Manatee County
Reviewed by Jason Burns, Editorial Steward.