Molina Gold Enhanced 895 — full price in Miami-Dade County, Florida (2026)
Molina Gold Enhanced 895 (54172FL0010012), a gold plan from Molina Healthcare in Miami-Dade County, Florida, costs $759.80/month full price for a 40-year-old in 2026 — $1613.54 at 60, with a $895 deductible and $8,700 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54172FL0010012 · Issuer: Molina Healthcare · 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 | $594.53 |
| 27 | $623.06 |
| 30 | $674.79 |
| 40 | $759.80 |
| 50 | $1061.82 |
| 60 | $1613.54 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $895
- Family deductible: $1,790
- Individual out-of-pocket max: $8,700
- Family out-of-pocket max: $17,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $684.37/mo. This plan is $759.80/mo at 40 — a difference of $75.43/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 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 54172FL0010012 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.