Gold Simple (Choice)
Starting at
$410
/month before subsidy
Gold Simple (Choice) is a 2026 Gold HMO health insurance plan from Issuer 11574, sold on the ACA Marketplace in Illinois under plan ID 11574IL0010057. The monthly premium starts at $410 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,300 ($3,300 for a family), and the individual out-of-pocket maximum is $9,950 ($9,950 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 11574IL0010057
- Plan year
- 2026
- State
- Illinois
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$3,300
Family: $3,300
Out-of-Pocket Max
$9,950
Family: $9,950
Coinsurance
20%
You pay after deductible
Network Type
HMO
ILN001
Medical Services
Prescription Drugs
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This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,239/month
Annual Premium
$4,920
OOP Maximum
$9,950
💡 What this means:
With a $3,300 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $9,950 total. Then insurance covers everything else for the year.
More plans from Issuer 11574 in Illinois
- Secure (Choice)from $315/mo
- Bronze Classic Standard (Choice)from $346/mo
- Bronze Classic Standard (Select)from $392/mo
- Bronze Elite + PCP Saver Plus Rx (Choice)from $373/mo
- Bronze Elite + PCP Saver Plus Rx (Select)from $422/mo
- Bronze Simple (Choice)from $329/mo
- Bronze Simple (Select)from $373/mo
- Buena Salud Plateado 4360 (Select)from $603/mo
Frequently asked questions about Gold Simple (Choice)
How much does Gold Simple (Choice) cost per month?
Gold Simple (Choice) from Issuer 11574 starts at $410 per month before any subsidy in Illinois. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Gold Simple (Choice)?
The individual medical deductible is $3,300, and the family deductible is $3,300. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Gold Simple (Choice)?
The most you would pay in a year for covered in-network care is $9,950 for an individual and $9,950 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gold Simple (Choice) HSA-eligible?
No. Gold Simple (Choice) is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Gold Simple (Choice) use?
Gold Simple (Choice) is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.