Gold Simple — full price in Palm Beach County, Florida (2026)
Gold Simple (21525FL0020016), a gold plan from Oscar Health Maintenance Organization of Florida in Palm Beach County, Florida, costs $616.82/month full price for a 40-year-old in 2026 — $1309.89 at 60, with a $3,000 deductible and $9,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 21525FL0020016 · 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 | $482.65 |
| 27 | $505.81 |
| 30 | $547.80 |
| 40 | $616.82 |
| 50 | $862.00 |
| 60 | $1309.89 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,000
- Family deductible: $6,000
- Individual out-of-pocket max: $9,950
- Family out-of-pocket max: $19,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $676.38/mo. This plan is $616.82/mo at 40 — a difference of $-59.56/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 Palm Beach County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Health Maintenance Organization of Florida | $647.96 |
| Partnered Care Premier Gold | Cigna HealthCare of Florida, Inc. | $670.72 |
| Connect Gold Mid-South 2250 Indiv Med Deductible | Cigna Healthcare | $673.67 |
| Partnered Care Gold CMS Standard | Cigna HealthCare of Florida, Inc. | $687.97 |
| Connect Gold Mid-South CMS Standard | Cigna Healthcare | $688.56 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 21525FL0020016 in FIPS 12099.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Palm Beach County
Reviewed by Jason Burns, Editorial Steward.