Gold Value
Starting at
$666
/month before subsidy
Gold Value is a 2026 Gold PPO health insurance plan from Arkansas Blue Cross and Blue Shield, sold on the ACA Marketplace in Arkansas under plan ID 75293AR1200030. The monthly premium starts at $666 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $6,300 ($12,600 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 75293AR1200030
- Plan year
- 2026
- State
- Arkansas
- Metal level
- Gold
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$6,300
Family: $12,600
Coinsurance
50%
You pay after deductible
Network Type
PPO
ARN001
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
$6,370
your estimated cost
- Deductible
- $0
- Copays
- $30
- Coinsurance
- $6,300
Managing type 2 diabetes
A year of routine care
$6,800
your estimated cost
- Deductible
- $0
- Copays
- $5,500
- Coinsurance
- $800
A simple fracture
ER visit + follow-up
$1,400
your estimated cost
- Deductible
- $0
- Copays
- $400
- Coinsurance
- $1,000
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This Gold PPO 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
$1,191/month
Annual Premium
$7,992
OOP Maximum
$6,300
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $6,300 total. Then insurance covers everything else for the year.
More plans from Arkansas Blue Cross and Blue Shield in Arkansas
Frequently asked questions about Gold Value
How much does Gold Value cost per month?
Gold Value from Arkansas Blue Cross and Blue Shield starts at $666 per month before any subsidy in Arkansas. 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 Value?
The individual medical deductible is $0. 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 Value?
The most you would pay in a year for covered in-network care is $6,300 for an individual and $12,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gold Value HSA-eligible?
No. Gold Value 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 Value use?
Gold Value is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
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.