Silver Savings 1821 (Primary Care Copay, Open Access)
Starting at
$592
/month before subsidy
Silver Savings 1821 (Primary Care Copay, Open Access) is a 2026 Silver HMO health insurance plan from Health First Commercial Plans, Inc., sold on the ACA Marketplace in Florida under plan ID 36194FL0440002. The monthly premium starts at $592 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,500 ($9,000 for a family), and the individual out-of-pocket maximum is $8,000 ($16,000 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 36194FL0440002
- Plan year
- 2026
- State
- Florida
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,500
Family: $9,000
Out-of-Pocket Max
$8,000
Family: $16,000
Coinsurance
20%
You pay after deductible
Network Type
HMO
FLN001
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
$5,670
your estimated cost
- Deductible
- $4,500
- Copays
- $10
- Coinsurance
- $1,100
Managing type 2 diabetes
A year of routine care
$2,220
your estimated cost
- Deductible
- $1,300
- Copays
- $900
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,500
- Copays
- $300
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,259/month
Annual Premium
$7,104
OOP Maximum
$8,000
💡 What this means:
With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $8,000 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 Silver Savings 1821 (Primary Care Copay, Open Access)
How much does Silver Savings 1821 (Primary Care Copay, Open Access) cost per month?
Silver Savings 1821 (Primary Care Copay, Open Access) from Health First Commercial Plans, Inc. starts at $592 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 Silver Savings 1821 (Primary Care Copay, Open Access)?
The individual medical deductible is $4,500, and the family deductible is $9,000. 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 Silver Savings 1821 (Primary Care Copay, Open Access)?
The most you would pay in a year for covered in-network care is $8,000 for an individual and $16,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Silver Savings 1821 (Primary Care Copay, Open Access) HSA-eligible?
No. Silver Savings 1821 (Primary Care Copay, 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 Silver Savings 1821 (Primary Care Copay, Open Access) use?
Silver Savings 1821 (Primary Care Copay, 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.