Elite Gold + Vision + Adult Dental — full price in Lapeer County, Michigan (2026)
Elite Gold + Vision + Adult Dental (58594MI0040023), a gold plan from Ambetter from Meridian in Lapeer County, Michigan, costs $486.24/month full price for a 40-year-old in 2026 — $1032.60 at 60, with a $0 deductible and $6,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 58594MI0040023 · Issuer: Ambetter from Meridian · 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 | $380.48 |
| 27 | $398.73 |
| 30 | $431.83 |
| 40 | $486.24 |
| 50 | $679.52 |
| 60 | $1032.60 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $6,500
- Family out-of-pocket max: $13,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $388.03/mo. This plan is $486.24/mo at 40 — a difference of $98.21/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.
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Other gold plans in Lapeer County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Meridian | $409.43 |
| Everyday Gold | Ambetter from Meridian | $415.81 |
| Standard Gold + Vision + Adult Dental | Ambetter from Meridian | $424.49 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Meridian | $431.11 |
| Elite Gold | Ambetter from Meridian | $468.99 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 58594MI0040023 in FIPS 26087.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lapeer County
Reviewed by Jason Burns, Editorial Steward.