Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) — full price in Polk County, Florida (2026)
Wellpoint Essential Gold 800 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) (44228FL0040014), a gold plan from Wellpoint in Polk County, Florida, costs $730.29/month full price for a 40-year-old in 2026 — $1550.86 at 60, with a $800 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 44228FL0040014 · 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 | $571.43 |
| 27 | $598.86 |
| 30 | $648.57 |
| 40 | $730.29 |
| 50 | $1020.57 |
| 60 | $1550.86 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $800
- Family deductible: $1,600
- Individual out-of-pocket max: $9,000
- Family out-of-pocket max: $18,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $660.96/mo. This plan is $730.29/mo at 40 — a difference of $69.33/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.
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Other gold plans in Polk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $675.36 |
| Everyday Gold | Ambetter Health | $689.98 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $693.63 |
| Gold Simple | with AdventHealth | Oscar Health Maintenance Organization of Florida | $697.43 |
| Gold Elite Saver Plus | with AdventHealth | Oscar Health Maintenance Organization of Florida | $699.38 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 44228FL0040014 in FIPS 12105.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Polk County
Reviewed by Jason Burns, Editorial Steward.