BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards)
Platinum · EPO · Florida Blue (BlueCross BlueShield FL) · Florida
At age 40 it costs between $1,050.11 and $2,006.98 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 16842FL0120096 |
|---|---|
| Insurer | Florida Blue (BlueCross BlueShield FL) |
| Metal level | Platinum |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $5,200 |
| Family maximum | $10,400 |
| Primary care visit | $10 |
| Specialist visit | $20 |
| Emergency room | $100 |
| Inpatient stay | $350 Copay per Stay |
| Generic drugs | $5 |
| Preferred brand drugs | $10 |
| Specialty drugs | $150 |
| 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 | $821.68 | $932.61 | $1,050.11 | $1,467.52 | $2,230.04 |
| Hernando County | $848.16 | $962.66 | $1,083.95 | $1,514.81 | $2,301.91 |
| Citrus County | $867.52 | $984.64 | $1,108.69 | $1,549.39 | $2,354.45 |
| Charlotte County | $874.52 | $992.58 | $1,117.64 | $1,561.89 | $2,373.45 |
| Lake County | $881.76 | $1,000.80 | $1,126.89 | $1,574.82 | $2,393.10 |
| Marion County | $891.13 | $1,011.43 | $1,138.86 | $1,591.56 | $2,418.53 |
| Brevard County | $897 | $1,018.10 | $1,146.37 | $1,602.04 | $2,434.46 |
| Sarasota County | $923.11 | $1,047.73 | $1,179.73 | $1,648.67 | $2,505.32 |
| Manatee County | $973.32 | $1,104.72 | $1,243.90 | $1,738.35 | $2,641.59 |
| Bay County | $976.94 | $1,108.83 | $1,248.53 | $1,744.81 | $2,651.42 |
| Escambia County | $978.19 | $1,110.25 | $1,250.13 | $1,747.05 | $2,654.81 |
| Gulf County | $979.19 | $1,111.38 | $1,251.40 | $1,748.83 | $2,657.52 |
| Hendry County | $1,011.42 | $1,147.96 | $1,292.59 | $1,806.40 | $2,744.99 |
| Saint Johns County | $1,021.54 | $1,159.45 | $1,305.53 | $1,824.47 | $2,772.46 |
| Okaloosa County | $1,041.27 | $1,181.84 | $1,330.74 | $1,859.71 | $2,826.01 |
| Santa Rosa County | $1,082 | $1,228.07 | $1,382.80 | $1,932.45 | $2,936.55 |
| Volusia County | $1,102.73 | $1,251.60 | $1,409.29 | $1,969.48 | $2,992.81 |
| Duval County | $1,129.96 | $1,282.50 | $1,444.09 | $2,018.11 | $3,066.71 |
| Clay County | $1,133.96 | $1,287.04 | $1,449.20 | $2,025.25 | $3,077.57 |
| Martin County | $1,139.83 | $1,293.71 | $1,456.70 | $2,035.74 | $3,093.50 |
| Walton County | $1,140.96 | $1,294.99 | $1,458.15 | $2,037.75 | $3,096.57 |
| Palm Beach County | $1,143.08 | $1,297.40 | $1,460.86 | $2,041.54 | $3,102.32 |
| Desoto County | $1,144.70 | $1,299.23 | $1,462.93 | $2,044.43 | $3,106.72 |
| Indian River County | $1,144.70 | $1,299.23 | $1,462.93 | $2,044.43 | $3,106.72 |
| Baker County | $1,146.70 | $1,301.50 | $1,465.48 | $2,048.01 | $3,112.14 |
| Pasco County | $1,148.95 | $1,304.06 | $1,468.36 | $2,052.02 | $3,118.25 |
| Highlands County | $1,152.20 | $1,307.75 | $1,472.51 | $2,057.83 | $3,127.07 |
| Polk County | $1,154.07 | $1,309.87 | $1,474.90 | $2,061.17 | $3,132.15 |
| Pinellas County | $1,176.81 | $1,335.68 | $1,503.96 | $2,101.78 | $3,193.86 |
| Flagler County | $1,177.31 | $1,336.25 | $1,504.60 | $2,102.68 | $3,195.22 |
| Hillsborough County | $1,181.55 | $1,341.06 | $1,510.02 | $2,110.25 | $3,206.73 |
| Lee County | $1,218.90 | $1,383.45 | $1,557.75 | $2,176.96 | $3,308.09 |
| Broward County | $1,238.14 | $1,405.29 | $1,582.34 | $2,211.32 | $3,360.31 |
| Columbia County | $1,238.14 | $1,405.29 | $1,582.34 | $2,211.32 | $3,360.31 |
| Orange County | $1,283.86 | $1,457.18 | $1,640.77 | $2,292.97 | $3,484.40 |
| Seminole County | $1,338.19 | $1,518.85 | $1,710.21 | $2,390.01 | $3,631.85 |
| Miami-Dade County | $1,390.41 | $1,578.12 | $1,776.94 | $2,483.27 | $3,773.57 |
| Hardee County | $1,411.14 | $1,601.64 | $1,803.44 | $2,520.30 | $3,829.83 |
| Osceola County | $1,469.60 | $1,668 | $1,878.15 | $2,624.71 | $3,988.49 |
| Hamilton County | $1,560.91 | $1,771.63 | $1,994.84 | $2,787.79 | $4,236.31 |
| Monroe County | $1,570.41 | $1,782.42 | $2,006.98 | $2,804.75 | $4,262.09 |
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.