Standard Gold — full price in Okaloosa County, Florida (2026)
Standard Gold (49004FL0010013), a gold plan from Ambetter Health in Okaloosa County, Florida, costs $698.53/month full price for a 40-year-old in 2026 — $1483.42 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 49004FL0010013 · Issuer: Ambetter Health · 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 | $546.59 |
| 27 | $572.82 |
| 30 | $620.37 |
| 40 | $698.53 |
| 50 | $976.19 |
| 60 | $1483.42 |
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 $713.78/mo. This plan is $698.53/mo at 40 — a difference of $-15.25/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 Okaloosa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Everyday Gold | Ambetter Health | $713.66 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $717.43 |
| Gold Simple | Oscar Health Maintenance Organization of Florida | $725.38 |
| Everyday Gold + Vision + Adult Dental | Ambetter Health | $732.96 |
| Complete Gold | Ambetter Health | $737.50 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 49004FL0010013 in FIPS 12091.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Okaloosa County
Reviewed by Jason Burns, Editorial Steward.