Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access)
Silver · HMO · Health First Commercial Plans, Inc. · Florida
At age 40 it costs between $617.24 and $726.32 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $4,500 | $8,000 | $45 | $15 |
| up to 150% of the federal poverty level | $0 | $1,150 | $10 | $15 |
| 150% to 200% | $1,050 | $2,800 | $15 | $15 |
| 200% to 250% | $4,300 | $7,200 | $40 | $15 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 36194FL0480002 |
|---|---|
| Insurer | Health First Commercial Plans, Inc. |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $4,500 |
| Deductible (family) | $9,000 |
| Drug deductible | $400 |
| Most you could pay in a year | $8,000 |
| Family maximum | $16,000 |
| Primary care visit | $45 |
| Specialist visit | $110 |
| Emergency room | 20% Coinsurance after deductible |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 Copay after deductible |
| Specialty drugs | 25% Coinsurance after deductible |
| Adult dental included | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 95.89% |
| 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 | $482.97 | $548.18 | $617.24 | $862.59 | $1,310.79 |
| Orange County | $554.91 | $629.82 | $709.17 | $991.06 | $1,506.02 |
| Volusia County | $558.18 | $633.53 | $713.35 | $996.91 | $1,514.90 |
| Flagler County | $568.33 | $645.05 | $726.32 | $1,015.04 | $1,542.45 |
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.
Get told when this changes
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.