Gold 1742 + Adult Dental + Adult Vision (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 $636.67 and $764.13 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 | 36194FL0460002 |
|---|---|
| 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 | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 96.10% |
| 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 | $498.18 | $565.43 | $636.67 | $889.75 | $1,352.05 |
| Indian River County | $508.11 | $576.71 | $649.37 | $907.49 | $1,379.02 |
| Orange County | $583.79 | $662.60 | $746.09 | $1,042.65 | $1,584.41 |
| Volusia County | $587.23 | $666.51 | $750.49 | $1,048.80 | $1,593.75 |
| Flagler County | $597.91 | $678.63 | $764.13 | $1,067.87 | $1,622.73 |
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.