Standard Gold — full price in Platte County, Missouri (2026)
Standard Gold (99723MO0090071), a gold plan from Ambetter from Home State Health in Platte County, Missouri, costs $559.49/month full price for a 40-year-old in 2026 — $1188.15 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 99723MO0090071 · Issuer: Ambetter from Home State 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 | $437.80 |
| 27 | $458.80 |
| 30 | $496.89 |
| 40 | $559.49 |
| 50 | $781.89 |
| 60 | $1188.15 |
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 $580.77/mo. This plan is $559.49/mo at 40 — a difference of $-21.28/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 Platte County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Insurance Company | $535.62 |
| Gold Classic Standard | Oscar Insurance Company | $546.45 |
| Everyday Gold | Ambetter from Home State Health | $566.05 |
| Standard Gold + Vision + Adult Dental | Ambetter from Home State Health | $576.40 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Home State Health | $583.16 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 99723MO0090071 in FIPS 29165.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Platte County
Reviewed by Jason Burns, Editorial Steward.