Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)
Starting at
$545
/month before subsidy
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) is a 2026 Gold HMO health insurance plan from Health First Commercial Plans, Inc., sold on the ACA Marketplace in Florida under plan ID 36194FL0410003. The monthly premium starts at $545 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,200 ($4,400 for a family), and the individual out-of-pocket maximum is $7,950 ($15,900 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 36194FL0410003
- Plan year
- 2026
- State
- Florida
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$2,200
Family: $4,400
Out-of-Pocket Max
$7,950
Family: $15,900
Coinsurance
30%
You pay after deductible
Network Type
HMO
FLN002
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$4,270
your estimated cost
- Deductible
- $2,200
- Copays
- $10
- Coinsurance
- $2,000
Managing type 2 diabetes
A year of routine care
$1,820
your estimated cost
- Deductible
- $1,200
- Copays
- $600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,370
your estimated cost
- Deductible
- $2,200
- Copays
- $90
- Coinsurance
- $80
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,208/month
Annual Premium
$6,540
OOP Maximum
$7,950
💡 What this means:
With a $2,200 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $7,950 total. Then insurance covers everything else for the year.
More plans from Health First Commercial Plans, Inc. in Florida
- Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)from $282/mo
- Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access)from $523/mo
- Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access)from $547/mo
- Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access)from $452/mo
- Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access)from $477/mo
- Bronze Standard 1828from $472/mo
- Bronze Value 1814 (High Value Network Savings, Open Access)from $445/mo
- Bronze Value 1814 + Adult Dental + Adult Vision (High Value Network Savings, Open Access)from $469/mo
Frequently asked questions about Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)
How much does Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) cost per month?
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) from Health First Commercial Plans, Inc. starts at $545 per month before any subsidy in Florida. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)?
The individual medical deductible is $2,200, and the family deductible is $4,400. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)?
The most you would pay in a year for covered in-network care is $7,950 for an individual and $15,900 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) HSA-eligible?
No. Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) use?
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.