Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access)
Gold · HMO · Health First Commercial Plans, Inc. · Florida
At age 40 it costs between $611.85 and $734.34 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 | 36194FL0450002 |
|---|---|
| Insurer | Health First Commercial Plans, Inc. |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $3,000 |
| Deductible (family) | $6,000 |
| Drug deductible | $500 |
| Most you could pay in a year | $8,250 |
| Family maximum | $16,500 |
| Primary care visit | $50 |
| Specialist visit | $90 |
| Emergency room | $250 |
| Inpatient stay | $1,000 Copay per Stay |
| Generic drugs | $15 |
| Preferred brand drugs | $30 Copay after deductible |
| Specialty drugs | 30% 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
5 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 |
|---|---|---|---|---|---|
| Brevard County | $478.75 | $543.39 | $611.85 | $855.05 | $1,299.34 |
| Indian River County | $488.30 | $554.22 | $624.05 | $872.11 | $1,325.25 |
| Orange County | $561.03 | $636.77 | $716.99 | $1,002 | $1,522.63 |
| Volusia County | $564.34 | $640.52 | $721.22 | $1,007.91 | $1,531.61 |
| Flagler County | $574.60 | $652.17 | $734.34 | $1,026.23 | $1,559.46 |
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.