Molina Gold Smart Heart Health — full price in Wayne County, Ohio (2026)
Molina Gold Smart Heart Health (64353OH0070002), a gold plan from Molina Healthcare in Wayne County, Ohio, costs $642.46/month full price for a 40-year-old in 2026 — $1364.36 at 60, with a $1,640 deductible and $8,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 64353OH0070002 · 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 | $502.71 |
| 27 | $526.84 |
| 30 | $570.58 |
| 40 | $642.46 |
| 50 | $897.84 |
| 60 | $1364.36 |
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 $552.17/mo. This plan is $642.46/mo at 40 — a difference of $90.29/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 Wayne County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Molina Gold Core 1640 | Molina Healthcare | $640.42 |
| Molina Gold Enhanced 895 | Molina Healthcare | $642.58 |
| Molina Gold Core 1640 Plus with Adult Vision | Molina Healthcare | $644.58 |
| Molina Gold Enhanced 895 Plus with Adult Vision | Molina Healthcare | $646.74 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision | Molina Healthcare | $658.80 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 64353OH0070002 in FIPS 39169.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Wayne County
Reviewed by Jason Burns, Editorial Steward.