Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access)
Gold · HMO · Health First Commercial Plans, Inc. · Florida
At age 40 it costs between $562.46 and $661.86 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 | 36194FL0440003 |
|---|---|
| Insurer | Health First Commercial Plans, Inc. |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $3,050 |
| Deductible (family) | $6,100 |
| Drug deductible | $400 |
| Most you could pay in a year | $8,100 |
| Family maximum | $16,200 |
| Primary care visit | $25 |
| Specialist visit | $50 |
| Emergency room | 35% Coinsurance after deductible |
| Inpatient stay | 35% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 Copay after deductible |
| Specialty drugs | 25% 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 | $440.11 | $499.53 | $562.46 | $786.04 | $1,194.46 |
| Orange County | $505.66 | $573.92 | $646.23 | $903.11 | $1,372.36 |
| Volusia County | $508.64 | $577.31 | $650.04 | $908.44 | $1,380.46 |
| Flagler County | $517.89 | $587.81 | $661.86 | $924.95 | $1,405.55 |
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.