Molina Gold Enhanced 895 Plus with Adult Vision
Starting at
$708
/month before subsidy
Molina Gold Enhanced 895 Plus with Adult Vision is a 2026 Gold HMO health insurance plan from Molina Healthcare, sold on the ACA Marketplace in Florida under plan ID 54172FL0040004. The monthly premium starts at $708 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $895 ($1,790 for a family), and the individual out-of-pocket maximum is $8,700 ($17,400 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 54172FL0040004
- Plan year
- 2026
- State
- Florida
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$895
Family: $1,790
Out-of-Pocket Max
$8,700
Family: $17,400
Coinsurance
30%
You pay after deductible
Network Type
HMO
FLN001
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
$4,595
your estimated cost
- Deductible
- $895
- Copays
- $500
- Coinsurance
- $3,200
Managing type 2 diabetes
A year of routine care
$2,495
your estimated cost
- Deductible
- $895
- Copays
- $1,400
- Coinsurance
- $200
A simple fracture
ER visit + follow-up
$1,495
your estimated cost
- Deductible
- $895
- Copays
- $400
- 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
$1,433/month
Annual Premium
$8,496
OOP Maximum
$8,700
💡 What this means:
With a $895 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,700 total. Then insurance covers everything else for the year.
More plans from Molina Healthcare in Florida
- Molina Bronze Enhanced 3500from $539/mo
- Molina Bronze Enhanced 3500 Plus with Adult Dental and Visionfrom $556/mo
- Molina Bronze Enhanced 3500 Plus with Adult Visionfrom $543/mo
- Molina Bronze Premier with $0 Medical Deductiblefrom $590/mo
- Molina Bronze Premier with $0 Medical Deductible Plus with Adult Dental and Visionfrom $607/mo
- Molina Bronze Premier with $0 Medical Deductible Plus with Adult Visionfrom $593/mo
- Molina Bronze Standardfrom $526/mo
- Molina Silver Accessfrom $711/mo
Frequently asked questions about Molina Gold Enhanced 895 Plus with Adult Vision
How much does Molina Gold Enhanced 895 Plus with Adult Vision cost per month?
Molina Gold Enhanced 895 Plus with Adult Vision from Molina Healthcare starts at $708 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 Molina Gold Enhanced 895 Plus with Adult Vision?
The individual medical deductible is $895, and the family deductible is $1,790. 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 Enhanced 895 Plus with Adult Vision?
The most you would pay in a year for covered in-network care is $8,700 for an individual and $17,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Molina Gold Enhanced 895 Plus with Adult Vision HSA-eligible?
No. Molina Gold Enhanced 895 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 Enhanced 895 Plus with Adult Vision use?
Molina Gold Enhanced 895 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.