Gold $500 w/ Virtual & Wellness ON-EX — full price in Lorain County, Ohio (2026)
Gold $500 w/ Virtual & Wellness ON-EX (99969OH0080545), a gold plan from MedMutual in Lorain County, Ohio, costs $701.58/month full price for a 40-year-old in 2026 — $1489.89 at 60, with a $500 deductible and $7,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 99969OH0080545 · Issuer: MedMutual · 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 | $548.96 |
| 27 | $575.31 |
| 30 | $623.07 |
| 40 | $701.58 |
| 50 | $980.45 |
| 60 | $1489.89 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $500
- Family deductible: $1,000
- Individual out-of-pocket max: $7,500
- Family out-of-pocket max: $15,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $489.54/mo. This plan is $701.58/mo at 40 — a difference of $212.04/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 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 99969OH0080545 in FIPS 39093.
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lorain County
Reviewed by Jason Burns, Editorial Steward.