Silver Savings 1821 (Primary Care Copay, Open Access) — full price in Flagler County, Florida (2026)
Silver Savings 1821 (Primary Care Copay, Open Access) (36194FL0440002), a silver plan from Health First Commercial Plans, Inc. in Flagler County, Florida, costs $696.53/month full price for a 40-year-old in 2026 — $1479.17 at 60, with a $4,500 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 36194FL0440002 · Issuer: Health First Commercial Plans, Inc. · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $545.02 |
| 27 | $571.18 |
| 30 | $618.59 |
| 40 | $696.53 |
| 50 | $973.40 |
| 60 | $1479.17 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $696.53/mo. This plan is $696.53/mo at 40 — a difference of $0.00/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other silver plans in Flagler County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | with AdventHealth | Oscar Health Maintenance Organization of Florida | $693.46 |
| Silver Classic Standard | with AdventHealth | Oscar Health Maintenance Organization of Florida | $699.66 |
| Silver Simple Diabetes | with AdventHealth | Oscar Health Maintenance Organization of Florida | $700.05 |
| Silver Simple Chronic Care CKM | with AdventHealth | Oscar Health Maintenance Organization of Florida | $701.42 |
| Silver Standard 1829 | Health First Commercial Plans, Inc. | $701.76 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 36194FL0440002 in FIPS 12035.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Flagler County
Reviewed by Jason Burns, Editorial Steward.