Gold Classic Standard — full price in Miami-Dade County, Florida (2026)
Gold Classic Standard (21525FL0020015), a gold plan from Oscar Health Maintenance Organization of Florida in Miami-Dade County, Florida, costs $655.60/month full price for a 40-year-old in 2026 — $1392.26 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 21525FL0020015 · 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 | $513.00 |
| 27 | $537.62 |
| 30 | $582.25 |
| 40 | $655.60 |
| 50 | $916.20 |
| 60 | $1392.26 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $684.37/mo. This plan is $655.60/mo at 40 — a difference of $-28.77/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 Miami-Dade County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Health Maintenance Organization of Florida | $624.10 |
| Molina Gold Enhanced 895 | Molina Healthcare | $759.80 |
| Molina Gold Core 1640 | Molina Healthcare | $760.36 |
| Molina Gold Enhanced 895 Pluswith Adult Vision | Molina Healthcare | $763.85 |
| Molina Gold Core 1640 Pluswith Adult Vision | Molina Healthcare | $764.45 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 21525FL0020015 in FIPS 12086.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Miami-Dade County
Reviewed by Jason Burns, Editorial Steward.