BlueSelect Silver 1443 ($10 Labs / Rewards)
Silver · EPO · Florida Blue (BlueCross BlueShield FL) · Florida
At age 40 it costs between $665.54 and $1,272.01 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $4,000 | $8,100 | No Charge | $25 Copay after deductible |
| up to 150% of the federal poverty level | $0 | $2,600 | No Charge | No Charge |
| 150% to 200% | $0 | $3,350 | No Charge | $25 |
| 200% to 250% | $1,375 | $8,100 | No Charge | $25 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 16842FL0120072 |
|---|---|
| Insurer | Florida Blue (BlueCross BlueShield FL) |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $4,000 |
| Deductible (family) | $8,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,100 |
| Family maximum | $16,200 |
| Primary care visit | No Charge |
| Specialist visit | $100 Copay after deductible |
| Emergency room | $675 Copay after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $25 Copay after deductible |
| Preferred brand drugs | $55 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-800-352-2583 · TTY 1-800-955-8771 |
Where it is sold, and what it costs there
41 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Sumter County | $520.77 | $591.07 | $665.54 | $930.10 | $1,413.37 |
| Hernando County | $537.56 | $610.13 | $687 | $960.08 | $1,458.94 |
| Citrus County | $549.83 | $624.06 | $702.68 | $982 | $1,492.24 |
| Charlotte County | $554.26 | $629.09 | $708.34 | $989.91 | $1,504.26 |
| Lake County | $558.85 | $634.29 | $714.21 | $998.11 | $1,516.72 |
| Marion County | $564.79 | $641.04 | $721.80 | $1,008.71 | $1,532.84 |
| Brevard County | $568.51 | $645.26 | $726.56 | $1,015.36 | $1,542.94 |
| Sarasota County | $585.06 | $664.04 | $747.71 | $1,044.92 | $1,587.85 |
| Manatee County | $616.88 | $700.16 | $788.37 | $1,101.75 | $1,674.21 |
| Bay County | $619.18 | $702.77 | $791.31 | $1,105.86 | $1,680.45 |
| Escambia County | $619.97 | $703.67 | $792.32 | $1,107.27 | $1,682.60 |
| Gulf County | $620.61 | $704.39 | $793.14 | $1,108.41 | $1,684.34 |
| Hendry County | $641.03 | $727.57 | $819.24 | $1,144.88 | $1,739.76 |
| Saint Johns County | $647.44 | $734.84 | $827.43 | $1,156.33 | $1,757.15 |
| Okaloosa County | $659.95 | $749.04 | $843.42 | $1,178.67 | $1,791.10 |
| Santa Rosa County | $685.76 | $778.34 | $876.40 | $1,224.77 | $1,861.15 |
| Volusia County | $698.90 | $793.25 | $893.19 | $1,248.24 | $1,896.81 |
| Duval County | $716.16 | $812.84 | $915.25 | $1,279.06 | $1,943.66 |
| Clay County | $718.70 | $815.72 | $918.50 | $1,283.60 | $1,950.55 |
| Martin County | $722.42 | $819.95 | $923.25 | $1,290.24 | $1,960.65 |
| Walton County | $723.13 | $820.75 | $924.16 | $1,291.51 | $1,962.57 |
| Palm Beach County | $724.48 | $822.28 | $925.89 | $1,293.92 | $1,966.24 |
| Desoto County | $725.50 | $823.44 | $927.19 | $1,295.74 | $1,969.01 |
| Indian River County | $725.50 | $823.44 | $927.19 | $1,295.74 | $1,969.01 |
| Baker County | $726.77 | $824.88 | $928.81 | $1,298.01 | $1,972.45 |
| Pasco County | $728.20 | $826.51 | $930.64 | $1,300.57 | $1,976.33 |
| Highlands County | $730.25 | $828.83 | $933.26 | $1,304.23 | $1,981.90 |
| Polk County | $731.44 | $830.18 | $934.78 | $1,306.35 | $1,985.13 |
| Pinellas County | $745.85 | $846.54 | $953.20 | $1,332.09 | $2,024.24 |
| Flagler County | $746.17 | $846.90 | $953.61 | $1,332.66 | $2,025.11 |
| Hillsborough County | $748.86 | $849.96 | $957.04 | $1,337.46 | $2,032.41 |
| Lee County | $772.53 | $876.82 | $987.29 | $1,379.74 | $2,096.65 |
| Broward County | $784.72 | $890.66 | $1,002.87 | $1,401.51 | $2,129.73 |
| Columbia County | $784.72 | $890.66 | $1,002.87 | $1,401.51 | $2,129.73 |
| Orange County | $813.70 | $923.55 | $1,039.91 | $1,453.27 | $2,208.38 |
| Seminole County | $848.14 | $962.64 | $1,083.92 | $1,514.78 | $2,301.85 |
| Miami-Dade County | $881.23 | $1,000.20 | $1,126.21 | $1,573.88 | $2,391.66 |
| Hardee County | $894.37 | $1,015.11 | $1,143 | $1,597.34 | $2,427.32 |
| Osceola County | $931.42 | $1,057.16 | $1,190.35 | $1,663.52 | $2,527.87 |
| Hamilton County | $989.30 | $1,122.86 | $1,264.33 | $1,766.89 | $2,684.96 |
| Monroe County | $995.31 | $1,129.68 | $1,272.01 | $1,777.62 | $2,701.27 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.