Gold Elite | Cleveland Clinic
Starting at
$836
/month before subsidy
Gold Elite | Cleveland Clinic is a 2026 Gold HMO health insurance plan from Oscar Insurance Corporation of Ohio, sold on the ACA Marketplace in Ohio under plan ID 45845OH0100036. The monthly premium starts at $836 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $750 ($1,500 for a family), and the individual out-of-pocket maximum is $7,500 ($15,000 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 45845OH0100036
- Plan year
- 2026
- State
- Ohio
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$750
Family: $1,500
Out-of-Pocket Max
$7,500
Family: $15,000
Coinsurance
30%
You pay after deductible
Network Type
HMO
OHN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- 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
$3,750
your estimated cost
- Deductible
- $750
- Copays
- $200
- Coinsurance
- $2,800
Managing type 2 diabetes
A year of routine care
$1,900
your estimated cost
- Deductible
- $0
- Copays
- $1,900
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,450
your estimated cost
- Deductible
- $750
- Copays
- $300
- Coinsurance
- $400
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
$1,461/month
Annual Premium
$10,032
OOP Maximum
$7,500
💡 What this means:
With a $750 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $7,500 total. Then insurance covers everything else for the year.
More plans from Oscar Insurance Corporation of Ohio in Ohio
- Bronze Classic PCP Saver | Cleveland Clinicfrom $651/mo
- Bronze Classic Standard | Cleveland Clinicfrom $642/mo
- Bronze Simple Breathe Easy with Enhanced COPD Benefits | Cleveland Clinicfrom $662/mo
- Bronze Simple Chronic Care CKM | Cleveland Clinicfrom $667/mo
- Bronze Simple Diabetes | Cleveland Clinicfrom $657/mo
- Bronze Simple HSA | Cleveland Clinicfrom $663/mo
- Silver Classic Standard | Cleveland Clinicfrom $718/mo
- Silver Elite Saver Plus | Cleveland Clinicfrom $741/mo
Frequently asked questions about Gold Elite | Cleveland Clinic
How much does Gold Elite | Cleveland Clinic cost per month?
Gold Elite | Cleveland Clinic from Oscar Insurance Corporation of Ohio starts at $836 per month before any subsidy in Ohio. 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 Elite | Cleveland Clinic?
The individual medical deductible is $750, and the family deductible is $1,500. 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 Elite | Cleveland Clinic?
The most you would pay in a year for covered in-network care is $7,500 for an individual and $15,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gold Elite | Cleveland Clinic HSA-eligible?
No. Gold Elite | Cleveland Clinic 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 Elite | Cleveland Clinic use?
Gold Elite | Cleveland Clinic 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.