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Molina Gold Standard is a 2026 individual and family Marketplace health insurance plan offered by Molina Healthcare of Ohio. The plan has a $2,000 individual deductible and a $4,000 family deductible. Its listed out-of-pocket maximum is $8,200 for an individual and $16,400 for a family. Primary-care visits have a $30 copay, specialist visits have a $60 copay, and urgent-care services have a $45 copay. Emergency-room facility and inpatient facility services are subject to 25% coinsurance after the deductible. Actual costs depend on the service, provider network and applicable plan terms.
2026 Ohio Marketplace plan with a $2,000 individual deductible and $30 primary-care copay.
The plan provides a Gold-tier cost-sharing structure with set copays for several common outpatient services. The separate $0 drug deductible listed in Molina’s 2026 Ohio benefits summary is a notable feature. Members should review the complete Summary of Benefits and Coverage, prescription formulary, provider directory and service-specific cost sharing before enrolling. Premiums are not included in the benefit figures here and must be checked for the applicant’s location and circumstances.
Molina Healthcare
Key Insights
Founded
1980
Molina Healthcare was established 46 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
0% CSR, calculated as a 3-year average
Molina Healthcare settles 0% of all claims it receives.
Network Hospitals
5.5 million members
Molina Healthcare has a network of 5.5 million members hospitals, ensuring wide accessibility and convenience for policyholders.
$2,000 individual and $4,000 family deductible.
Applies according to the plan’s covered-service rules.
$8,200 individual and $16,400 family for covered in-network services.
Premiums, balance billing and excluded services do not count toward this limit.
$30 copay for primary-care services.
Check the benefit schedule for service-specific conditions.
$60 copay for specialty-care visits.
Confirm provider participation in the Molina network.
25% coinsurance after the deductible.
Other professional charges may apply.
The 2026 Ohio benefits summary lists a $0 separate drug deductible.
Covered medicines, tiers and copays depend on the current formulary.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Molina Healthcare plans and claim process
The 2026 plan summary lists a $2,000 individual deductible and a $4,000 family deductible.
The listed in-network maximum is $8,200 for an individual and $16,400 for a family.
The 2026 Ohio benefits summary lists a $30 primary-care copay.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official Molina Healthcare website before purchasing.
Contact Details
1-888-665-4621
Headquarters: 200 Oceangate, Suite 100, Long Beach, CA 90802, USA
Official Website
molinahealthcare.com
Visit the official Molina Healthcare website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The listed specialty-care copay is $60.
The listed urgent-care copay is $45.
Emergency-room facility and inpatient facility services are listed at 25% coinsurance after the deductible. Other charges may apply.
Molina’s 2026 Ohio benefits summary lists a $0 separate drug deductible. Check the current formulary for covered medicines and cost sharing.
The premium is provided separately and depends on factors such as location, household details and available financial assistance. Obtain an actual quote before enrolling.