Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) — full price in Flagler County, Florida (2026)
Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) (36194FL0460003), a expanded bronze plan from Health First Commercial Plans, Inc. in Flagler County, Florida, costs $656.99/month full price for a 40-year-old in 2026 — $1395.21 at 60, with a $0 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 36194FL0460003 · 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 | $514.08 |
| 27 | $538.75 |
| 30 | $583.48 |
| 40 | $656.99 |
| 50 | $918.14 |
| 60 | $1395.21 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $696.53/mo. This plan is $656.99/mo at 40 — a difference of $-39.54/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.
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Other expanded bronze plans in Flagler County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Maintenance Organization of Florida | $508.37 |
| Gym Access IND Bronze HMO 1340 | Florida Health Care Plans | $518.65 |
| Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) | Health First Commercial Plans, Inc. | $531.90 |
| Bronze Classic Standard | with AdventHealth | Oscar Health Maintenance Organization of Florida | $536.12 |
| Bronze Classic 4700 | with AdventHealth | Oscar Health Maintenance Organization of Florida | $549.65 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 36194FL0460003 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.