Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) — full price in Indian River County, Florida (2026)
Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) (36194FL0440003), a gold plan from Health First Commercial Plans, Inc. in Indian River County, Florida, costs $562.46/month full price for a 40-year-old in 2026 — $1194.46 at 60, with a $3,050 deductible and $8,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 36194FL0440003 · 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 | $440.11 |
| 27 | $461.24 |
| 30 | $499.53 |
| 40 | $562.46 |
| 50 | $786.04 |
| 60 | $1194.46 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,050
- Family deductible: $6,100
- Individual out-of-pocket max: $8,100
- Family out-of-pocket max: $16,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $591.15/mo. This plan is $562.46/mo at 40 — a difference of $-28.69/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 gold plans in Indian River County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $578.52 |
| Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access) | Health First Commercial Plans, Inc. | $587.78 |
| Everyday Gold | Ambetter Health | $591.05 |
| Gold Standard 1833 | Health First Commercial Plans, Inc. | $591.71 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $594.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 36194FL0440003 in FIPS 12061.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Indian River County
Reviewed by Jason Burns, Editorial Steward.