Bronze Standard 1828 — full price in Orange County, Florida (2026)
Bronze Standard 1828 (36194FL0160011), a expanded bronze plan from Health First Commercial Plans, Inc. in Orange County, Florida, costs $553.38/month full price for a 40-year-old in 2026 — $1175.17 at 60, with a $7,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 36194FL0160011 · 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 | $433.00 |
| 27 | $453.79 |
| 30 | $491.46 |
| 40 | $553.38 |
| 50 | $773.34 |
| 60 | $1175.17 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,500
- Family deductible: $15,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $680.08/mo. This plan is $553.38/mo at 40 — a difference of $-126.70/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 expanded bronze plans in Orange County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Maintenance Organization of Florida | $501.42 |
| Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) | Health First Commercial Plans, Inc. | $519.34 |
| Bronze Classic Standard | with AdventHealth | Oscar Health Maintenance Organization of Florida | $528.79 |
| Everyday Bronze | Ambetter Health | $532.13 |
| Standard Expanded Bronze | Ambetter Health | $533.76 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 36194FL0160011 in FIPS 12095.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Orange County
Reviewed by Jason Burns, Editorial Steward.