Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access)
Expanded Bronze · HMO · Health First Commercial Plans, Inc. · Florida
At age 40 it costs between $547.40 and $656.99 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 | 36194FL0460003 |
|---|---|
| Insurer | Health First Commercial Plans, Inc. |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $4,200 |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | No Charge |
| Specialist visit | $80 |
| Emergency room | $1,500 |
| Inpatient stay | $3,000 Copay per Day |
| Generic drugs | $75 |
| Preferred brand drugs | $200 |
| Specialty drugs | 100% Coinsurance after deductible |
| Adult dental included | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 95.46% |
| 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 | $428.33 | $486.15 | $547.40 | $764.99 | $1,162.48 |
| Indian River County | $436.87 | $495.85 | $558.32 | $780.25 | $1,185.67 |
| Orange County | $501.94 | $569.70 | $641.48 | $896.46 | $1,362.26 |
| Volusia County | $504.90 | $573.06 | $645.26 | $901.75 | $1,370.29 |
| Flagler County | $514.08 | $583.48 | $656.99 | $918.14 | $1,395.21 |
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.