Complete Gold + Vision + Adult Dental
Starting at
$900
/month before subsidy
Complete Gold + Vision + Adult Dental is a 2026 Gold HMO health insurance plan from Ambetter Health, sold on the ACA Marketplace in Florida under plan ID 49004FL0020021. The monthly premium starts at $900 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,450 ($2,900 for a family), and the individual out-of-pocket maximum is $7,500 ($15,000 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 49004FL0020021
- Plan year
- 2026
- State
- Florida
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,450
Family: $2,900
Out-of-Pocket Max
$7,500
Family: $15,000
Coinsurance
20%
You pay after deductible
Network Type
HMO
FLN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$3,310
your estimated cost
- Deductible
- $1,450
- Copays
- $300
- Coinsurance
- $1,500
Managing type 2 diabetes
A year of routine care
$1,620
your estimated cost
- Deductible
- $800
- Copays
- $800
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,750
your estimated cost
- Deductible
- $1,450
- Copays
- $100
- Coinsurance
- $200
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
$1,525/month
Annual Premium
$10,800
OOP Maximum
$7,500
💡 What this means:
With a $1,450 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $7,500 total. Then insurance covers everything else for the year.
More plans from Ambetter Health in Florida
Frequently asked questions about Complete Gold + Vision + Adult Dental
How much does Complete Gold + Vision + Adult Dental cost per month?
Complete Gold + Vision + Adult Dental from Ambetter Health starts at $900 per month before any subsidy in Florida. 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 Complete Gold + Vision + Adult Dental?
The individual medical deductible is $1,450, and the family deductible is $2,900. 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 Complete Gold + Vision + Adult Dental?
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 Complete Gold + Vision + Adult Dental HSA-eligible?
No. Complete Gold + Vision + Adult Dental 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 Complete Gold + Vision + Adult Dental use?
Complete Gold + Vision + Adult Dental 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.