BlueSelect Silver 2343S ($40 PCP Visits / $80 Specialist Visits / Rewards)
Silver · EPO · Florida Blue (BlueCross BlueShield FL) · Florida
At age 40 it costs between $676.57 and $1,293.09 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 16842FL0120094 |
|---|---|
| Insurer | Florida Blue (BlueCross BlueShield FL) |
| Metal level | Silver |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | $529.40 | $600.87 | $676.57 | $945.51 | $1,436.79 |
| Hernando County | $546.47 | $620.24 | $698.39 | $976 | $1,483.12 |
| Citrus County | $558.94 | $634.40 | $714.33 | $998.27 | $1,516.96 |
| Charlotte County | $563.45 | $639.52 | $720.09 | $1,006.32 | $1,529.20 |
| Lake County | $568.12 | $644.82 | $726.06 | $1,014.66 | $1,541.88 |
| Marion County | $574.15 | $651.66 | $733.76 | $1,025.43 | $1,558.24 |
| Brevard County | $577.93 | $655.95 | $738.59 | $1,032.18 | $1,568.50 |
| Sarasota County | $594.75 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Manatee County | $627.11 | $711.77 | $801.45 | $1,120.02 | $1,701.98 |
| Bay County | $629.44 | $714.41 | $804.42 | $1,124.18 | $1,708.30 |
| Escambia County | $630.25 | $715.33 | $805.46 | $1,125.63 | $1,710.50 |
| Gulf County | $630.89 | $716.06 | $806.28 | $1,126.77 | $1,712.24 |
| Hendry County | $651.65 | $739.62 | $832.81 | $1,163.85 | $1,768.58 |
| Saint Johns County | $658.17 | $747.02 | $841.14 | $1,175.49 | $1,786.27 |
| Okaloosa County | $670.89 | $761.46 | $857.40 | $1,198.21 | $1,820.80 |
| Santa Rosa County | $697.13 | $791.24 | $890.93 | $1,245.07 | $1,892.01 |
| Volusia County | $710.49 | $806.41 | $908.01 | $1,268.94 | $1,928.27 |
| Duval County | $728.03 | $826.31 | $930.42 | $1,300.26 | $1,975.87 |
| Clay County | $730.61 | $829.24 | $933.72 | $1,304.87 | $1,982.88 |
| Martin County | $734.39 | $833.53 | $938.55 | $1,311.62 | $1,993.13 |
| Walton County | $735.11 | $834.35 | $939.47 | $1,312.91 | $1,995.09 |
| Palm Beach County | $736.48 | $835.90 | $941.22 | $1,315.35 | $1,998.81 |
| Desoto County | $737.53 | $837.10 | $942.56 | $1,317.23 | $2,001.66 |
| Indian River County | $737.53 | $837.10 | $942.56 | $1,317.23 | $2,001.66 |
| Baker County | $738.82 | $838.56 | $944.21 | $1,319.53 | $2,005.16 |
| Pasco County | $740.26 | $840.20 | $946.05 | $1,322.10 | $2,009.07 |
| Highlands County | $742.36 | $842.58 | $948.74 | $1,325.85 | $2,014.77 |
| Polk County | $743.56 | $843.94 | $950.27 | $1,328 | $2,018.02 |
| Pinellas County | $758.21 | $860.57 | $968.99 | $1,354.16 | $2,057.78 |
| Flagler County | $758.53 | $860.93 | $969.40 | $1,354.73 | $2,058.65 |
| Hillsborough County | $761.27 | $864.04 | $972.90 | $1,359.63 | $2,066.09 |
| Lee County | $785.33 | $891.35 | $1,003.65 | $1,402.60 | $2,131.39 |
| Broward County | $797.73 | $905.42 | $1,019.50 | $1,424.75 | $2,165.04 |
| Columbia County | $797.73 | $905.42 | $1,019.50 | $1,424.75 | $2,165.04 |
| Orange County | $827.18 | $938.85 | $1,057.14 | $1,477.34 | $2,244.97 |
| Seminole County | $862.19 | $978.59 | $1,101.88 | $1,539.87 | $2,339.98 |
| Miami-Dade County | $895.83 | $1,016.77 | $1,144.87 | $1,599.95 | $2,431.28 |
| Hardee County | $909.19 | $1,031.93 | $1,161.94 | $1,623.81 | $2,467.54 |
| Osceola County | $946.86 | $1,074.69 | $1,210.09 | $1,691.09 | $2,569.78 |
| Hamilton County | $1,005.69 | $1,141.46 | $1,285.27 | $1,796.16 | $2,729.44 |
| Monroe County | $1,011.81 | $1,148.40 | $1,293.09 | $1,807.09 | $2,746.05 |
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.