Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)
Starting at
$282
/month before subsidy
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) is a 2026 Catastrophic HMO health insurance plan from Health First Commercial Plans, Inc., sold on the ACA Marketplace in Florida under plan ID 36194FL0450003. The monthly premium starts at $282 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($21,200 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 36194FL0450003
- Plan year
- 2026
- State
- Florida
- Metal level
- Catastrophic
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$10,600
Family: $21,200
Out-of-Pocket Max
$10,600
Family: $21,200
Coinsurance
0%
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
$9,860
your estimated cost
- Deductible
- $9,800
- Copays
- $0
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$5,120
your estimated cost
- Deductible
- $5,000
- Copays
- $100
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Catastrophic HMO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.
Consider this plan if you:
- Rarely visit the doctor beyond annual checkups
- Have savings to cover the $10,600 deductible if needed
- Primarily need coverage for unexpected emergencies
- Want to minimize monthly healthcare expenses
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,165/month
Annual Premium
$3,384
OOP Maximum
$10,600
💡 What this means:
With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from Health First Commercial Plans, Inc. in Florida
- 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
- Silver 1664 (Primary Care & Specialist Copays, Open Access)from $620/mo
Frequently asked questions about Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)
How much does Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) cost per month?
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) from Health First Commercial Plans, Inc. starts at $282 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 Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)?
The individual medical deductible is $10,600, and the family deductible is $21,200. 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 Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) HSA-eligible?
Yes. Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) use?
Catastrophic 1746 (Primary Care Copay Visits 1-3, 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.