Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Miami-Dade County, Florida (2026)
Wellpoint Essential Gold 1400 ($0 Virtual PCP + $0 Select Drugs + Incentives) (44228FL0040009), a gold plan from Wellpoint in Miami-Dade County, Florida, costs $815.89/month full price for a 40-year-old in 2026 — $1732.64 at 60, with a $1,400 deductible and $5,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 44228FL0040009 · 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 | $638.41 |
| 27 | $669.05 |
| 30 | $724.60 |
| 40 | $815.89 |
| 50 | $1140.20 |
| 60 | $1732.64 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,400
- Family deductible: $2,800
- Individual out-of-pocket max: $5,000
- Family out-of-pocket max: $10,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $684.37/mo. This plan is $815.89/mo at 40 — a difference of $131.52/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 |
| Gold Classic Standard | Oscar Health Maintenance Organization of Florida | $655.60 |
| 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 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 44228FL0040009 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.