AmeriHealth Caritas Next Gold Premier + No Referrals
Starting at
$770
/month before subsidy
AmeriHealth Caritas Next Gold Premier + No Referrals is a 2026 Gold HMO health insurance plan from AmeriHealth Caritas Next, sold on the ACA Marketplace in Florida under plan ID 67926FL0010009. The monthly premium starts at $770 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $850 ($1,700 for a family), and the individual out-of-pocket maximum is $8,500 ($17,000 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 67926FL0010009
- Plan year
- 2026
- State
- Florida
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$850
Family: $1,700
Out-of-Pocket Max
$8,500
Family: $17,000
Coinsurance
20%
You pay after deductible
Network Type
HMO
FLN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$2,720
your estimated cost
- Deductible
- $850
- Copays
- $70
- Coinsurance
- $1,800
Managing type 2 diabetes
A year of routine care
$1,960
your estimated cost
- Deductible
- $850
- Copays
- $1,100
- Coinsurance
- $10
A simple fracture
ER visit + follow-up
$1,290
your estimated cost
- Deductible
- $850
- Copays
- $40
- 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
$1,478/month
Annual Premium
$9,240
OOP Maximum
$8,500
💡 What this means:
With a $850 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $8,500 total. Then insurance covers everything else for the year.
More plans from AmeriHealth Caritas Next in Florida
- AmeriHealth Caritas Next Bronze Essential + No Referralsfrom $511/mo
- AmeriHealth Caritas Next Bronze Premier + No Referralsfrom $514/mo
- AmeriHealth Caritas Next Bronze Signature + No Referralsfrom $514/mo
- AmeriHealth Caritas Next Silver Essential + No Referralsfrom $663/mo
- AmeriHealth Caritas Next Silver Premier + No Referralsfrom $724/mo
- AmeriHealth Caritas Next Silver Signature + No Referralsfrom $689/mo
- AmeriHealth Caritas Next Gold Signature + No Referralsfrom $748/mo
Frequently asked questions about AmeriHealth Caritas Next Gold Premier + No Referrals
How much does AmeriHealth Caritas Next Gold Premier + No Referrals cost per month?
AmeriHealth Caritas Next Gold Premier + No Referrals from AmeriHealth Caritas Next starts at $770 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 AmeriHealth Caritas Next Gold Premier + No Referrals?
The individual medical deductible is $850, and the family deductible is $1,700. 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 AmeriHealth Caritas Next Gold Premier + No Referrals?
The most you would pay in a year for covered in-network care is $8,500 for an individual and $17,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is AmeriHealth Caritas Next Gold Premier + No Referrals HSA-eligible?
No. AmeriHealth Caritas Next Gold Premier + No Referrals 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 AmeriHealth Caritas Next Gold Premier + No Referrals use?
AmeriHealth Caritas Next Gold Premier + No Referrals 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.