BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)
Gold · PPO · Florida Blue (BlueCross BlueShield FL) · Florida
At age 40 it costs between $1,147.93 and $2,193.93 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 | 16842FL0260012 |
|---|---|
| Insurer | Florida Blue (BlueCross BlueShield FL) |
| Metal level | Gold |
| Plan type | PPO |
| Deductible (individual) | $1,500 |
| Deductible (family) | $3,000 |
| Drug deductible | $0 |
| Most you could pay in a year | $6,450 |
| Family maximum | $12,900 |
| Primary care visit | No Charge |
| Specialist visit | $75 |
| Emergency room | $500 |
| Inpatient stay | 20% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $65 |
| Specialty drugs | 50% |
| 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 | $898.22 | $1,019.48 | $1,147.93 | $1,604.22 | $2,437.77 |
| Hernando County | $927.17 | $1,052.34 | $1,184.92 | $1,655.93 | $2,516.34 |
| Washington County | $941.92 | $1,069.08 | $1,203.77 | $1,682.27 | $2,556.37 |
| Citrus County | $948.33 | $1,076.35 | $1,211.97 | $1,693.72 | $2,573.77 |
| Charlotte County | $955.98 | $1,085.04 | $1,221.74 | $1,707.38 | $2,594.53 |
| Lake County | $963.90 | $1,094.03 | $1,231.86 | $1,721.53 | $2,616.02 |
| Taylor County | $970.32 | $1,101.31 | $1,240.07 | $1,732.99 | $2,633.45 |
| Marion County | $974.14 | $1,105.65 | $1,244.95 | $1,739.81 | $2,643.82 |
| Brevard County | $980.56 | $1,112.94 | $1,253.16 | $1,751.28 | $2,661.24 |
| Holmes County | $986.70 | $1,119.90 | $1,261 | $1,762.25 | $2,677.90 |
| Sarasota County | $1,009.10 | $1,145.33 | $1,289.63 | $1,802.25 | $2,738.70 |
| Jackson County | $1,012.65 | $1,149.36 | $1,294.17 | $1,808.59 | $2,748.33 |
| Madison County | $1,015.11 | $1,152.15 | $1,297.31 | $1,812.99 | $2,755.01 |
| Calhoun County | $1,028.49 | $1,167.34 | $1,314.41 | $1,836.88 | $2,791.32 |
| Lafayette County | $1,028.62 | $1,167.48 | $1,314.58 | $1,837.12 | $2,791.67 |
| Franklin County | $1,045.83 | $1,187.02 | $1,336.57 | $1,867.85 | $2,838.38 |
| Manatee County | $1,063.99 | $1,207.63 | $1,359.78 | $1,900.29 | $2,887.67 |
| Liberty County | $1,065.76 | $1,209.64 | $1,362.04 | $1,903.45 | $2,892.47 |
| Bay County | $1,067.95 | $1,212.12 | $1,364.84 | $1,907.36 | $2,898.42 |
| Escambia County | $1,069.32 | $1,213.68 | $1,366.59 | $1,909.81 | $2,902.13 |
| Gulf County | $1,070.41 | $1,214.92 | $1,367.98 | $1,911.75 | $2,905.09 |
| Leon County | $1,074.09 | $1,219.09 | $1,372.69 | $1,918.32 | $2,915.08 |
| Hendry County | $1,105.64 | $1,254.90 | $1,413.01 | $1,974.67 | $3,000.71 |
| Saint Johns County | $1,116.70 | $1,267.45 | $1,427.14 | $1,994.43 | $3,030.72 |
| Okaloosa County | $1,138.27 | $1,291.94 | $1,454.71 | $2,032.95 | $3,089.26 |
| Gadsden County | $1,158.07 | $1,314.41 | $1,480.01 | $2,068.31 | $3,143 |
| Wakulla County | $1,163.67 | $1,320.77 | $1,487.17 | $2,078.31 | $3,158.20 |
| Jefferson County | $1,176.64 | $1,335.49 | $1,503.75 | $2,101.48 | $3,193.40 |
| Santa Rosa County | $1,182.79 | $1,342.47 | $1,511.61 | $2,112.46 | $3,210.09 |
| Volusia County | $1,205.45 | $1,368.19 | $1,540.57 | $2,152.93 | $3,271.59 |
| Saint Lucie County | $1,219.25 | $1,383.85 | $1,558.20 | $2,177.58 | $3,309.04 |
| Collier County | $1,233.86 | $1,400.43 | $1,576.87 | $2,203.67 | $3,348.70 |
| Duval County | $1,235.22 | $1,401.97 | $1,578.61 | $2,206.10 | $3,352.39 |
| Clay County | $1,239.59 | $1,406.93 | $1,584.20 | $2,213.91 | $3,364.25 |
| Martin County | $1,246.01 | $1,414.22 | $1,592.40 | $2,225.37 | $3,381.67 |
| Walton County | $1,247.24 | $1,415.62 | $1,593.97 | $2,227.57 | $3,385.01 |
| Palm Beach County | $1,249.56 | $1,418.25 | $1,596.94 | $2,231.71 | $3,391.31 |
| Bradford County | $1,250.93 | $1,419.81 | $1,598.69 | $2,234.16 | $3,395.02 |
| Desoto County | $1,251.34 | $1,420.27 | $1,599.21 | $2,234.89 | $3,396.14 |
| Indian River County | $1,251.34 | $1,420.27 | $1,599.21 | $2,234.89 | $3,396.14 |
| Baker County | $1,253.52 | $1,422.75 | $1,602 | $2,238.79 | $3,402.05 |
| Pasco County | $1,255.98 | $1,425.54 | $1,605.14 | $2,243.18 | $3,408.73 |
| Highlands County | $1,259.53 | $1,429.57 | $1,609.68 | $2,249.52 | $3,418.36 |
| Polk County | $1,261.58 | $1,431.89 | $1,612.30 | $2,253.18 | $3,423.93 |
| Putnam County | $1,281.92 | $1,454.98 | $1,638.29 | $2,289.51 | $3,479.13 |
| Glades County | $1,283.56 | $1,456.84 | $1,640.39 | $2,292.44 | $3,483.58 |
| Pinellas County | $1,286.43 | $1,460.10 | $1,644.06 | $2,297.56 | $3,491.37 |
| Flagler County | $1,286.97 | $1,460.71 | $1,644.75 | $2,298.53 | $3,492.84 |
| Union County | $1,287.66 | $1,461.49 | $1,645.63 | $2,299.76 | $3,494.71 |
| Alachua County | $1,290.39 | $1,464.59 | $1,649.12 | $2,304.64 | $3,502.12 |
| Hillsborough County | $1,291.62 | $1,465.99 | $1,650.69 | $2,306.83 | $3,505.46 |
| Dixie County | $1,323.02 | $1,501.63 | $1,690.82 | $2,362.91 | $3,590.68 |
| Gilchrist County | $1,325.89 | $1,504.89 | $1,694.49 | $2,368.04 | $3,598.47 |
| Suwannee County | $1,329.03 | $1,508.45 | $1,698.50 | $2,373.65 | $3,606.99 |
| Lee County | $1,332.45 | $1,512.33 | $1,702.87 | $2,379.76 | $3,616.27 |
| Levy County | $1,340.09 | $1,521 | $1,712.64 | $2,393.40 | $3,637 |
| Broward County | $1,353.47 | $1,536.19 | $1,729.73 | $2,417.30 | $3,673.32 |
| Columbia County | $1,353.47 | $1,536.19 | $1,729.73 | $2,417.30 | $3,673.32 |
| Orange County | $1,403.45 | $1,592.92 | $1,793.61 | $2,506.56 | $3,808.96 |
| Seminole County | $1,462.85 | $1,660.33 | $1,869.52 | $2,612.65 | $3,970.17 |
| Okeechobee County | $1,496.85 | $1,698.92 | $1,912.97 | $2,673.37 | $4,062.45 |
| Miami-Dade County | $1,519.93 | $1,725.12 | $1,942.47 | $2,714.59 | $4,125.09 |
| Nassau County | $1,523.34 | $1,728.99 | $1,946.83 | $2,720.69 | $4,134.34 |
| Hardee County | $1,542.59 | $1,750.84 | $1,971.43 | $2,755.07 | $4,186.59 |
| Osceola County | $1,606.50 | $1,823.38 | $2,053.11 | $2,869.21 | $4,360.04 |
| Hamilton County | $1,706.32 | $1,936.67 | $2,180.68 | $3,047.49 | $4,630.95 |
| Monroe County | $1,716.69 | $1,948.44 | $2,193.93 | $3,066.01 | $4,659.10 |
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.