Gold HMO Pathway Enhanced with Adult Dental and Vision Benefits
Starting at
$719
/month before subsidy
Gold HMO Pathway Enhanced with Adult Dental and Vision Benefits is a 2026 Gold HMO health insurance plan from Issuer 86545, sold on the ACA Marketplace in Connecticut under plan ID 86545CT1230027. The monthly premium starts at $719 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,000 ($2,000 for a family), and the individual out-of-pocket maximum is $8,000 ($8,000 for a family). After the deductible, coinsurance is 10% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 86545CT1230027
- Plan year
- 2026
- State
- Connecticut
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$2,000
Family: $2,000
Out-of-Pocket Max
$8,000
Family: $8,000
Coinsurance
10%
You pay after deductible
Network Type
HMO
CTN001
Medical Services
Prescription Drugs
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
$1,386/month
Annual Premium
$8,628
OOP Maximum
$8,000
💡 What this means:
With a $2,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 10% (coinsurance) until you hit $8,000 total. Then insurance covers everything else for the year.
More plans from Issuer 86545 in Connecticut
- Catastrophic HMO Pathway Enhancedfrom $325/mo
- Bronze HMO Pathway Enhancedfrom $557/mo
- Bronze HMO Pathway Enhanced with Adult Dental and Vision Benefitsfrom $562/mo
- Bronze PPO Pathway with PreventiveRx HSAfrom $590/mo
- Bronze PPO Standard Pathwayfrom $638/mo
- Bronze PPO Standard Pathway HSAfrom $599/mo
- Silver PPO Standard Pathwayfrom $677/mo
- Gold PPO Pathwayfrom $762/mo
Frequently asked questions about Gold HMO Pathway Enhanced with Adult Dental and Vision Benefits
How much does Gold HMO Pathway Enhanced with Adult Dental and Vision Benefits cost per month?
Gold HMO Pathway Enhanced with Adult Dental and Vision Benefits from Issuer 86545 starts at $719 per month before any subsidy in Connecticut. 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 HMO Pathway Enhanced with Adult Dental and Vision Benefits?
The individual medical deductible is $2,000, and the family deductible is $2,000. 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 HMO Pathway Enhanced with Adult Dental and Vision Benefits?
The most you would pay in a year for covered in-network care is $8,000 for an individual and $8,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gold HMO Pathway Enhanced with Adult Dental and Vision Benefits HSA-eligible?
No. Gold HMO Pathway Enhanced with Adult Dental and Vision Benefits 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 HMO Pathway Enhanced with Adult Dental and Vision Benefits use?
Gold HMO Pathway Enhanced with Adult Dental and Vision Benefits 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.