Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) — full price in Orange 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 Orange County, Florida, costs $646.23/month full price for a 40-year-old in 2026 — $1372.36 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 | $505.66 |
| 27 | $529.93 |
| 30 | $573.92 |
| 40 | $646.23 |
| 50 | $903.11 |
| 60 | $1372.36 |
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 $680.08/mo. This plan is $646.23/mo at 40 — a difference of $-33.85/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 Orange County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | with AdventHealth | Oscar Health Maintenance Organization of Florida | $623.75 |
| Gold Elite Saver Plus | with AdventHealth | Oscar Health Maintenance Organization of Florida | $625.49 |
| Gold Classic Standard | with AdventHealth | Oscar Health Maintenance Organization of Florida | $655.24 |
| Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access) | Health First Commercial Plans, Inc. | $675.32 |
| Gold Standard 1833 | Health First Commercial Plans, Inc. | $679.84 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 36194FL0440003 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.