Molina Gold Core 1640 Plus with Adult Vision
Starting at
$510
/month before subsidy
Molina Gold Core 1640 Plus with Adult Vision is a 2026 Gold HMO health insurance plan from Molina Healthcare, sold on the ACA Marketplace in South Carolina under plan ID 42326SC0020001. The monthly premium starts at $510 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,640 ($3,280 for a family), and the individual out-of-pocket maximum is $8,100 ($16,200 for a family). After the deductible, coinsurance is 25% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 42326SC0020001
- Plan year
- 2026
- State
- South Carolina
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,640
Family: $3,280
Out-of-Pocket Max
$8,100
Family: $16,200
Coinsurance
25%
You pay after deductible
Network Type
HMO
SCN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$4,400
your estimated cost
- Deductible
- $1,600
- Copays
- $400
- Coinsurance
- $2,400
Managing type 2 diabetes
A year of routine care
$2,700
your estimated cost
- Deductible
- $1,600
- Copays
- $1,000
- Coinsurance
- $100
A simple fracture
ER visit + follow-up
$1,920
your estimated cost
- Deductible
- $1,600
- Copays
- $300
- Coinsurance
- $20
Enter your ZIP code first to search nearby doctors.
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
$1,185/month
Annual Premium
$6,120
OOP Maximum
$8,100
💡 What this means:
With a $1,640 deductible, you pay 100% of costs until you've spent that much. After that, you pay 25% (coinsurance) until you hit $8,100 total. Then insurance covers everything else for the year.
More plans from Molina Healthcare in South Carolina
- Molina Silver Corefrom $498/mo
- Molina Silver Core Plus with Adult Dental and Visionfrom $516/mo
- Molina Silver Core Plus with Adult Visionfrom $501/mo
- Molina Silver Saverfrom $494/mo
- Molina Silver Standardfrom $497/mo
- Molina Gold Core 1640from $507/mo
- Molina Gold Core 1640 Plus with Adult Dental and Visionfrom $543/mo
- Molina Gold Standardfrom $530/mo
Frequently asked questions about Molina Gold Core 1640 Plus with Adult Vision
How much does Molina Gold Core 1640 Plus with Adult Vision cost per month?
Molina Gold Core 1640 Plus with Adult Vision from Molina Healthcare starts at $510 per month before any subsidy in South Carolina. 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 Molina Gold Core 1640 Plus with Adult Vision?
The individual medical deductible is $1,640, and the family deductible is $3,280. 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 Molina Gold Core 1640 Plus with Adult Vision?
The most you would pay in a year for covered in-network care is $8,100 for an individual and $16,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Molina Gold Core 1640 Plus with Adult Vision HSA-eligible?
No. Molina Gold Core 1640 Plus with Adult Vision 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 Molina Gold Core 1640 Plus with Adult Vision use?
Molina Gold Core 1640 Plus with Adult Vision 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.