BlueOptions Silver 24J01-03 ($10 Labs / Rewards)
Silver · PPO · Florida Blue (BlueCross BlueShield FL) · Florida
At age 40 it costs between $1,066.93 and $2,039.13 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 | 16842FL0260003 |
|---|---|
| Insurer | Florida Blue (BlueCross BlueShield FL) |
| Metal level | Silver |
| Plan type | PPO |
| 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
67 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 | $834.84 | $947.54 | $1,066.93 | $1,491.02 | $2,265.76 |
| Hernando County | $861.75 | $978.09 | $1,101.32 | $1,539.09 | $2,338.79 |
| Washington County | $875.45 | $993.64 | $1,118.83 | $1,563.55 | $2,375.97 |
| Citrus County | $881.42 | $1,000.41 | $1,126.45 | $1,574.22 | $2,392.17 |
| Charlotte County | $888.52 | $1,008.47 | $1,135.53 | $1,586.90 | $2,411.44 |
| Lake County | $895.89 | $1,016.84 | $1,144.95 | $1,600.06 | $2,431.45 |
| Taylor County | $901.85 | $1,023.60 | $1,152.56 | $1,610.70 | $2,447.62 |
| Marion County | $905.40 | $1,027.63 | $1,157.10 | $1,617.04 | $2,457.26 |
| Brevard County | $911.37 | $1,034.40 | $1,164.73 | $1,627.71 | $2,473.46 |
| Holmes County | $917.08 | $1,040.89 | $1,172.03 | $1,637.90 | $2,488.96 |
| Sarasota County | $937.89 | $1,064.51 | $1,198.62 | $1,675.07 | $2,545.43 |
| Jackson County | $941.19 | $1,068.25 | $1,202.84 | $1,680.97 | $2,554.39 |
| Madison County | $943.48 | $1,070.85 | $1,205.77 | $1,685.06 | $2,560.60 |
| Calhoun County | $955.92 | $1,084.97 | $1,221.67 | $1,707.27 | $2,594.37 |
| Lafayette County | $956.04 | $1,085.11 | $1,221.82 | $1,707.49 | $2,594.69 |
| Franklin County | $972.03 | $1,103.25 | $1,242.25 | $1,736.05 | $2,638.09 |
| Manatee County | $988.91 | $1,122.41 | $1,263.83 | $1,766.19 | $2,683.90 |
| Liberty County | $990.56 | $1,124.29 | $1,265.94 | $1,769.14 | $2,688.38 |
| Bay County | $992.59 | $1,126.59 | $1,268.53 | $1,772.77 | $2,693.89 |
| Escambia County | $993.86 | $1,128.03 | $1,270.15 | $1,775.03 | $2,697.34 |
| Gulf County | $994.88 | $1,129.19 | $1,271.46 | $1,776.86 | $2,700.10 |
| Leon County | $998.31 | $1,133.08 | $1,275.84 | $1,782.98 | $2,709.41 |
| Hendry County | $1,027.62 | $1,166.35 | $1,313.30 | $1,835.33 | $2,788.96 |
| Saint Johns County | $1,037.90 | $1,178.02 | $1,326.44 | $1,853.69 | $2,816.86 |
| Okaloosa County | $1,057.96 | $1,200.78 | $1,352.07 | $1,889.52 | $2,871.30 |
| Gadsden County | $1,076.36 | $1,221.67 | $1,375.59 | $1,922.38 | $2,921.24 |
| Wakulla County | $1,081.56 | $1,227.57 | $1,382.23 | $1,931.67 | $2,935.35 |
| Jefferson County | $1,093.62 | $1,241.26 | $1,397.65 | $1,953.21 | $2,968.08 |
| Santa Rosa County | $1,099.33 | $1,247.74 | $1,404.94 | $1,963.40 | $2,983.58 |
| Volusia County | $1,120.40 | $1,271.65 | $1,431.87 | $2,001.03 | $3,040.77 |
| Saint Lucie County | $1,133.22 | $1,286.20 | $1,448.26 | $2,023.93 | $3,075.56 |
| Collier County | $1,146.79 | $1,301.61 | $1,465.60 | $2,048.17 | $3,112.39 |
| Duval County | $1,148.06 | $1,303.05 | $1,467.22 | $2,050.44 | $3,115.83 |
| Clay County | $1,152.13 | $1,307.67 | $1,472.42 | $2,057.70 | $3,126.88 |
| Martin County | $1,158.09 | $1,314.43 | $1,480.04 | $2,068.35 | $3,143.06 |
| Walton County | $1,159.23 | $1,315.73 | $1,481.50 | $2,070.38 | $3,146.15 |
| Palm Beach County | $1,161.39 | $1,318.18 | $1,484.26 | $2,074.24 | $3,152.01 |
| Bradford County | $1,162.66 | $1,319.62 | $1,485.88 | $2,076.51 | $3,155.46 |
| Desoto County | $1,163.04 | $1,320.05 | $1,486.37 | $2,077.19 | $3,156.49 |
| Indian River County | $1,163.04 | $1,320.05 | $1,486.37 | $2,077.19 | $3,156.49 |
| Baker County | $1,165.07 | $1,322.35 | $1,488.96 | $2,080.82 | $3,162 |
| Pasco County | $1,167.35 | $1,324.94 | $1,491.87 | $2,084.89 | $3,168.19 |
| Highlands County | $1,170.65 | $1,328.69 | $1,496.09 | $2,090.78 | $3,177.14 |
| Polk County | $1,172.56 | $1,330.86 | $1,498.53 | $2,094.19 | $3,182.33 |
| Putnam County | $1,191.47 | $1,352.32 | $1,522.70 | $2,127.97 | $3,233.65 |
| Glades County | $1,192.99 | $1,354.04 | $1,524.64 | $2,130.68 | $3,237.77 |
| Pinellas County | $1,195.66 | $1,357.07 | $1,528.05 | $2,135.45 | $3,245.02 |
| Flagler County | $1,196.16 | $1,357.64 | $1,528.69 | $2,136.34 | $3,246.38 |
| Union County | $1,196.80 | $1,358.37 | $1,529.51 | $2,137.48 | $3,248.12 |
| Alachua County | $1,199.34 | $1,361.25 | $1,532.76 | $2,142.02 | $3,255.01 |
| Hillsborough County | $1,200.48 | $1,362.54 | $1,534.21 | $2,144.06 | $3,258.10 |
| Dixie County | $1,229.67 | $1,395.68 | $1,571.52 | $2,196.19 | $3,337.32 |
| Gilchrist County | $1,232.33 | $1,398.69 | $1,574.92 | $2,200.94 | $3,344.54 |
| Suwannee County | $1,235.25 | $1,402.01 | $1,578.65 | $2,206.16 | $3,352.47 |
| Lee County | $1,238.43 | $1,405.62 | $1,582.71 | $2,211.84 | $3,361.10 |
| Levy County | $1,245.53 | $1,413.68 | $1,591.79 | $2,224.52 | $3,380.37 |
| Broward County | $1,257.97 | $1,427.80 | $1,607.69 | $2,246.73 | $3,414.13 |
| Columbia County | $1,257.97 | $1,427.80 | $1,607.69 | $2,246.73 | $3,414.13 |
| Orange County | $1,304.42 | $1,480.52 | $1,667.05 | $2,329.69 | $3,540.20 |
| Seminole County | $1,359.63 | $1,543.18 | $1,737.61 | $2,428.30 | $3,690.04 |
| Okeechobee County | $1,391.23 | $1,579.05 | $1,777.99 | $2,484.74 | $3,775.80 |
| Miami-Dade County | $1,412.68 | $1,603.39 | $1,805.41 | $2,523.05 | $3,834.01 |
| Nassau County | $1,415.85 | $1,606.99 | $1,809.46 | $2,528.71 | $3,842.62 |
| Hardee County | $1,433.75 | $1,627.31 | $1,832.33 | $2,560.68 | $3,891.20 |
| Osceola County | $1,493.14 | $1,694.71 | $1,908.23 | $2,666.75 | $4,052.38 |
| Hamilton County | $1,585.92 | $1,800.02 | $2,026.81 | $2,832.45 | $4,304.19 |
| Monroe County | $1,595.56 | $1,810.96 | $2,039.13 | $2,849.67 | $4,330.35 |
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.