Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) — full price in Indian River County, Florida (2026)
Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) (36194FL0450003), a catastrophic plan from Health First Commercial Plans, Inc. in Indian River County, Florida, costs $287.52/month full price for a 40-year-old in 2026 — $610.58 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 36194FL0450003 · 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 | $224.97 |
| 27 | $235.77 |
| 30 | $255.34 |
| 40 | $287.52 |
| 50 | $401.80 |
| 60 | $610.58 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $10,600
- Family deductible: $21,200
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $591.15/mo. This plan is $287.52/mo at 40 — a difference of $-303.63/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 catastrophic plans in Indian River County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellpoint Essential Catastrophic (+ Incentives) | Wellpoint | $577.20 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 36194FL0450003 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.