Sold outside the marketplace. This plan is bought directly from the insurer, so it is not eligible for a premium tax credit. If your income qualifies you for savings, a marketplace plan at the same price will usually cost you less.
Octave Gold Classic National
Octave · 2026 plan year
Gold
- Ind. deductible
- $5,900
- Family deductible
- $11,800
- Ind. OOP max
- $6,000
- Family OOP max
- $12,000
Other cost-sharing reduction variants for this plan:
More Octave plans in AR
Monthly premiums by age
The same in all 7 areas this plan covers.
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $387 | $387 |
| 21 | $506 | $607 |
| 30 | $574 | $689 |
| 40 | $647 | $776 |
| 50 | $904 | $1,084 |
| 60 | $1,373 | $1,648 |
| 64 and over | $1,518 | $1,821 |
Live premium estimate
Benefits & cost sharing
Primary Care
| Benefit | In-network |
|---|---|
| Preventive Care/Screening/Immunization | No charge |
| Primary Care Visit to Treat an Injury or Illness | No charge |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | $70.00 |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | $500.00 Copay after deductible |
| Inpatient Hospital Services (e.g., Hospital Stay) | $650.00 Copay per Day after deductible |
| Outpatient Surgery Physician/Surgical Services | 40.00% Coinsurance after deductible |
| Urgent Care Centers or Facilities | $70.00 |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | $20.00 |
| Non-Preferred Brand Drugs | $1,500.00 |
| Off Label Prescription Drugs | 40.00% Coinsurance after deductible |
| Preferred Brand Drugs | $190.00 |
| Preventive Drugs | No charge |
| Specialty Drugs | $4,900.00 |
| Specialty Drugs Tier 2 | $4,900.00 |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | $650.00 Copay per Day after deductible |
| Mental/Behavioral Health Outpatient Services | No charge |
Other
| Benefit | In-network |
|---|---|
| Acupuncture | Not covered |
| Abortion for Which Public Funding is Prohibited | Not covered |
| Accidental Dental | 40.00% Coinsurance after deductible |
| Acquired Brain Injury | 40.00% Coinsurance after deductible |
| Allergy Testing | 40.00% Coinsurance after deductible |
| Applied Behavior Analysis Based Therapies | 40.00% Coinsurance after deductible |
| Bariatric Surgery | 40.00% Coinsurance after deductible |
| Basic Dental Care - Adult | Not covered |
| Basic Dental Care - Child | Not covered |
| Biomarke | 40.00% Coinsurance after deductible |
| Chemotherapy | 40.00% Coinsurance after deductible |
| Chiropractic Care | No charge |
| Cochlear Implants | 40.00% Coinsurance after deductible |
| Community Health Worke | 40.00% Coinsurance after deductible |
| Cosmetic Surgery | Not covered |
| Craniofacial Surgery | 40.00% Coinsurance after deductible |
| Delivery and All Inpatient Services for Maternity Care | 40.00% Coinsurance after deductible |
| Dental Anesthesia | 40.00% Coinsurance after deductible |
| Dental Check-Up for Children | Not covered |
| Diabetes Care Management | 40.00% Coinsurance after deductible |
| Diabetes Education | No charge |
| Dialysis | 40.00% Coinsurance after deductible |
| Doulas | 40.00% Coinsurance after deductible |
| Durable Medical Equipment | 50.00% Coinsurance after deductible |
| Emergency Transportation/Ambulance | 40.00% Coinsurance after deductible |
| Eye Glasses for Children | 40.00% Coinsurance after deductible |
| Gastric Electrical Stimulation | 40.00% Coinsurance after deductible |
| Genetic Testing for Cance | No charge |
| Habilitation Services | No charge |
| Hearing Aids | 40.00% |
| Home Health Care Services | 40.00% Coinsurance after deductible |
| Hospice Services | 40.00% Coinsurance after deductible |
| Imaging (CT/PET Scans, MRIs) | $250.00 Copay after deductible |
| Infertility Treatment | Not covered |
| Infusion Therapy | 40.00% Coinsurance after deductible |
| Inherited Metabolic Disorder - PKU | 40.00% Coinsurance after deductible |
| Inpatient Physician and Surgical Services | 40.00% Coinsurance after deductible |
| Laboratory Outpatient and Professional Services | 40.00% Coinsurance after deductible |
| Long-Term/Custodial Nursing Home Care | Not covered |
| Lung Cancer Screening | No charge |
| Major Dental Care - Adult | Not covered |
| Major Dental Care - Child | Not covered |
| Nutritional Counseling | 40.00% Coinsurance after deductible |
| Orthodontia - Adult | Not covered |
| Orthodontia - Child | Not covered |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | No charge |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | 40.00% Coinsurance after deductible |
| Substance Abuse Disorder Outpatient Services | No charge |
| Outpatient Rehabilitation Services | No charge |
| PANS-PANDA | 40.00% Coinsurance after deductible |
| Prenatal and Postnatal Care | 40.00% Coinsurance after deductible |
| Private-Duty Nursing | Not covered |
| Prosthetic Devices | 40.00% Coinsurance after deductible |
| Radiation | 40.00% Coinsurance after deductible |
| Reconstructive Surgery | 40.00% Coinsurance after deductible |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | No charge |
| Rehabilitative Speech Therapy | No charge |
| Routine Dental Services (Adult) | Not covered |
| Routine Eye Exam (Adult) | Not covered |
| Routine Eye Exam for Children | No charge |
| Routine Foot Care | 40.00% Coinsurance after deductible |
| Skilled Nursing Facility | $650.00 Copay per Day after deductible |
| Substance Abuse Disorder Inpatient Services | $650.00 Copay per Day after deductible |
| Transplant | 40.00% Coinsurance after deductible |
| Treatment for Temporomandibular Joint Disorders | 40.00% Coinsurance after deductible |
| Weight Loss Programs | Not covered |
| Weight Loss Treatment | 40.00% Coinsurance after deductible |
| Well Baby Visits and Care | No charge |
| Well Child Care | No charge |
| X-rays and Diagnostic Imaging | 40.00% Coinsurance after deductible |
Service area
This plan covers 1 geographic area.
Open enrollment coming up?
Get notified when it opens — we'll remind you so you don't miss your window.