Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access)
Expanded Bronze · HMO · Health First Commercial Plans, Inc. · Florida
At age 40 it costs between $452.02 and $531.90 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 36194FL0440001 |
|---|---|
| Insurer | Health First Commercial Plans, Inc. |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Deductible (individual) | $9,800 |
| Deductible (family) | $19,600 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $100 and 50% Coinsurance after deductible |
| Specialist visit | 50% Coinsurance after deductible |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | 35% Coinsurance after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-855-443-4735 · TTY 1-800-955-8771 |
Where it is sold, and what it costs there
4 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Indian River County | $353.69 | $401.44 | $452.02 | $631.69 | $959.92 |
| Orange County | $406.37 | $461.23 | $519.34 | $725.78 | $1,102.89 |
| Volusia County | $408.77 | $463.95 | $522.40 | $730.06 | $1,109.39 |
| Flagler County | $416.20 | $472.39 | $531.90 | $743.33 | $1,129.56 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.