Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — full price in Lake County, Indiana (2026)
Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness (54192IN0020030), a gold plan from CareSource in Lake County, Indiana, costs $783.40/month full price for a 40-year-old in 2026 — $1663.65 at 60, with a $3,000 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 54192IN0020030 · Issuer: CareSource · 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 | $612.99 |
| 27 | $642.41 |
| 30 | $695.74 |
| 40 | $783.40 |
| 50 | $1094.79 |
| 60 | $1663.65 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,000
- Family deductible: $6,000
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $499.19/mo. This plan is $783.40/mo at 40 — a difference of $284.21/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 Lake County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $755.62 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $775.54 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services | CareSource | $779.64 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services | CareSource | $783.66 |
| Complete Gold | Ambetter Health | $787.25 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 54192IN0020030 in FIPS 18089.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lake County
Reviewed by Jason Burns, Editorial Steward.