Molina Gold Core 1640 Plus with Adult Vision — full price in Lorain County, Ohio (2026)
Molina Gold Core 1640 Plus with Adult Vision (64353OH0040001), a gold plan from Molina Healthcare in Lorain County, Ohio, costs $569.80/month full price for a 40-year-old in 2026 — $1210.04 at 60, with a $1,640 deductible and $8,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 64353OH0040001 · Issuer: Molina Healthcare · 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 | $445.85 |
| 27 | $467.25 |
| 30 | $506.04 |
| 40 | $569.80 |
| 50 | $796.29 |
| 60 | $1210.04 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,640
- Family deductible: $3,280
- Individual out-of-pocket max: $8,100
- Family out-of-pocket max: $16,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $489.54/mo. This plan is $569.80/mo at 40 — a difference of $80.26/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 Lorain County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Health Insurance | $540.99 |
| Gold Classic | Oscar Health Insurance | $552.79 |
| Molina Gold Core 1640 | Molina Healthcare | $566.12 |
| Molina Gold Smart Heart Health | Molina Healthcare | $567.92 |
| Molina Gold Enhanced 895 | Molina Healthcare | $568.03 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 64353OH0040001 in FIPS 39093.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lorain County
Reviewed by Jason Burns, Editorial Steward.