Florida · Insurer
Health First Marketplace Plans in Florida
Health First Commercial Plans is a Space Coast insurer tied to the Health First hospital system. It sold 24 Open Access HMOs in five counties in 2026 and filed about a 13.6% average 2027 increase.
- Member experience 5 stars in 2025; not rated for 2026.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
5 of 67Florida counties (2026)
HMOPlan type
2 of 5CMS quality rating (2026)
+13.55%Proposed 2027 change
What makes Health First different
Plans are tied to Holmes Regional, Viera, Palm Bay and Cape Canaveral hospitals, with AdventHealth and Parrish also named in network marketing.
Marketplace coverage is Brevard, Indian River, Orange, Volusia and Flagler.
Plan names and Health First marketing say no referral is needed for in-network specialists.
Many metals add adult dental and vision. Two metals carry Enhanced Diabetes Benefits.
Is Health First a good fit?
A good fit if
- You live in Brevard, Indian River, Orange, Volusia or Flagler County
- Your care centers on Health First hospitals on the Space Coast
- You want an Open Access HMO that does not require specialist referrals
Think twice if
- Outside those five counties, Health First is not an option on HealthCare.gov.
- CMS overall rating fell to 2 of 5 stars for 2026, and member experience is not rated this year.
- Value / High Value Network plan names imply a narrower tier — confirm your specialists before you pick one.
Good starting points
From its 23 2026 plans statewide, lowest price in any Florida rating area.Bronze Value 1814 (High Value Network Savings, Open Access)$445/monthLowest monthly premium
Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access)$523/monthLowest deductible, $0
Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access)$545/month$15 primary care visits before the deductible
Silver Value 1815 + Enhanced Diabetes Benefits ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings)$574/monthDesigned for a specific health need
2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
Health First plans and prices
All 2026 Health First plans in Florida
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Bronze Value 1814 (High Value Network Savings, Open Access) | MetalBronze | TypeHMO | Premium (age 40)$445 | Deductible$9,800 | OOP max$10,000 | Primary care$100 | Specialist40% after deductible | Generic Rx$15 | HSANo | Counties1 |
| Bronze Savings 1820 (Primary Care Copay Visits 1-5, Open Access) | MetalBronze | TypeHMO | Premium (age 40)$452 | Deductible$9,800 | OOP max$10,150 | Primary care$100 | Specialist50% after deductible | Generic Rx$15 | HSANo | Counties4 |
| Bronze Value 1814 + Adult Dental + Adult Vision (High Value Network Savings, Open Access) | MetalBronze | TypeHMO | Premium (age 40)$469 | Deductible$9,800 | OOP max$10,000 | Primary care$100 | Specialist40% after deductible | Generic Rx$15 | HSANo | Counties1 |
| Bronze Standard 1828 | MetalBronze | TypeHMO | Premium (age 40)$472 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties5 |
| Bronze Savings 1820 + Adult Dental + Adult Vision (Primary Care Copay Visits 1-5, Open Access) | MetalBronze | TypeHMO | Premium (age 40)$477 | Deductible$9,800 | OOP max$10,150 | Primary care$100 | Specialist50% after deductible | Generic Rx$15 | HSANo | Counties4 |
| Bronze 1826 ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) | MetalBronze | TypeHMO | Premium (age 40)$523 | Deductible$0 | OOP max$10,150 | Primary care$0 | Specialist$80 | Generic Rx$75 | HSANo | Counties5 |
| Bronze 1826 + Adult Dental + Adult Vision ($0 Medical Deductible, $0 Primary Care Copay- Visits 1 & 2, Specialist & Urgent Care Copay, Open Access) | MetalBronze | TypeHMO | Premium (age 40)$547 | Deductible$0 | OOP max$10,150 | Primary care$0 | Specialist$80 | Generic Rx$75 | HSANo | Counties5 |
| Silver Value 1815 ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) | MetalSilver | TypeHMO | Premium (age 40)$572 | Deductible$4,700 | OOP max$8,000 | Primary care$25 | Specialist$100 | Generic Rx$15 | HSANo | Counties1 |
| Silver Value 1815 + Enhanced Diabetes Benefits ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) | MetalSilver | TypeHMO | Premium (age 40)$574 | Deductible$4,700 | OOP max$8,000 | Primary care$25 | Specialist$100 | Generic Rx$15 | HSANo | Counties1 |
| Silver Standard 1829 | MetalSilver | TypeHMO | Premium (age 40)$585 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties5 |
| Silver Savings 1821 (Primary Care Copay, Open Access) | MetalSilver | TypeHMO | Premium (age 40)$592 | Deductible$4,500 | OOP max$8,000 | Primary care$45 | Specialist$110 | Generic Rx$15 | HSANo | Counties4 |
| Silver Value 1815 + Adult Dental + Adult Vision ($25 Tier 1 Primary Care Copay, Specialist & Urgent Care Copays, High Value Network Savings) | MetalSilver | TypeHMO | Premium (age 40)$597 | Deductible$4,700 | OOP max$8,000 | Primary care$25 | Specialist$100 | Generic Rx$15 | HSANo | Counties1 |
| Silver Savings 1821 + Adult Dental + Adult Vision (Primary Care Copay, Open Access) | MetalSilver | TypeHMO | Premium (age 40)$617 | Deductible$4,500 | OOP max$8,000 | Primary care$45 | Specialist$110 | Generic Rx$15 | HSANo | Counties4 |
| Silver 1664 (Primary Care & Specialist Copays, Open Access) | MetalSilver | TypeHMO | Premium (age 40)$620 | Deductible$4,550 | OOP max$7,600 | Primary care$50 | Specialist$100 | Generic Rx$15 | HSANo | Counties5 |
| Silver 1664 + Adult Dental + Adult Vision (Primary Care & Specialist Copays, Open Access) | MetalSilver | TypeHMO | Premium (age 40)$644 | Deductible$4,550 | OOP max$7,600 | Primary care$50 | Specialist$100 | Generic Rx$15 | HSANo | Counties5 |
| Gold Value 1819 ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | MetalGold | TypeHMO | Premium (age 40)$545 | Deductible$2,200 | OOP max$7,950 | Primary care$15 | Specialist$30 | Generic Rx$15 | HSANo | Counties1 |
| Gold Value 1819 + Enhanced Diabetes Benefits ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | MetalGold | TypeHMO | Premium (age 40)$545 | Deductible$2,200 | OOP max$7,950 | Primary care$15 | Specialist$30 | Generic Rx$15 | HSANo | Counties1 |
| Gold Savings 1825 ($25 Primary Care Copay, $50 Specialist Copay, Open Access) | MetalGold | TypeHMO | Premium (age 40)$562 | Deductible$3,050 | OOP max$8,100 | Primary care$25 | Specialist$50 | Generic Rx$15 | HSANo | Counties4 |
| Gold Value 1819 + Adult Dental + Adult Vision ($2,200 Tier 1 Medical Deductible, High Value Network Savings, Open Access) | MetalGold | TypeHMO | Premium (age 40)$570 | Deductible$2,200 | OOP max$7,950 | Primary care$15 | Specialist$30 | Generic Rx$15 | HSANo | Counties1 |
| Gold Standard 1833 | MetalGold | TypeHMO | Premium (age 40)$580 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties5 |
| Gold Savings 1825 + Adult Dental + Adult Vision ($25 Primary Care Copay, $50 Specialist Copay, Open Access) | MetalGold | TypeHMO | Premium (age 40)$588 | Deductible$3,050 | OOP max$8,100 | Primary care$25 | Specialist$50 | Generic Rx$15 | HSANo | Counties4 |
| Gold 1742 (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) | MetalGold | TypeHMO | Premium (age 40)$612 | Deductible$3,000 | OOP max$8,250 | Primary care$50 | Specialist$90 | Generic Rx$15 | HSANo | Counties5 |
| Gold 1742 + Adult Dental + Adult Vision (Emergency Room & Inpatient Hospitalization Copay, $0 Outpatient Labs, $0 MRI, Open Access) | MetalGold | TypeHMO | Premium (age 40)$637 | Deductible$3,000 | OOP max$8,250 | Primary care$50 | Specialist$90 | Generic Rx$15 | HSANo | Counties5 |
| Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access) | MetalCatastrophic | TypeHMO | Premium (age 40)$282 | Deductible$10,600 | OOP max$10,600 | Primary care$35 | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties5 |
Other Florida Marketplace insurers
- Florida Blue HMO
- AvMed
- Ambetter
- Oscar
- Florida Blue
- Florida Health Care Plans
- UnitedHealthcare
- Wellpoint
- AmeriHealth Caritas Next
- Capital Health Plan
Sources
- Health First Part II rate filing justification, Florida 2027, June 10, 2026
- Health First Health Plans, accessed October 7, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- Health First counties served, accessed October 7, 2026
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Florida Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.