BlueOptions Silver 24J01-19S ($40 PCP Visits / $80 Specialist Visits / Rewards)
Silver · PPO · Florida Blue (BlueCross BlueShield FL) · Florida
At age 40 it costs between $1,139.58 and $2,177.99 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 | 16842FL0260019 |
|---|---|
| Insurer | Florida Blue (BlueCross BlueShield FL) |
| Metal level | Silver |
| Plan type | PPO |
| 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
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 | $891.69 | $1,012.07 | $1,139.58 | $1,592.56 | $2,420.05 |
| Hernando County | $920.43 | $1,044.69 | $1,176.31 | $1,643.89 | $2,498.05 |
| Washington County | $935.07 | $1,061.30 | $1,195.02 | $1,670.04 | $2,537.78 |
| Citrus County | $941.44 | $1,068.53 | $1,203.16 | $1,681.41 | $2,555.07 |
| Charlotte County | $949.03 | $1,077.15 | $1,212.86 | $1,694.97 | $2,575.67 |
| Lake County | $956.90 | $1,086.08 | $1,222.92 | $1,709.02 | $2,597.03 |
| Taylor County | $963.27 | $1,093.31 | $1,231.06 | $1,720.40 | $2,614.31 |
| Marion County | $967.06 | $1,097.61 | $1,235.90 | $1,727.17 | $2,624.60 |
| Brevard County | $973.43 | $1,104.84 | $1,244.04 | $1,738.55 | $2,641.89 |
| Holmes County | $979.53 | $1,111.77 | $1,251.84 | $1,749.44 | $2,658.44 |
| Sarasota County | $1,001.77 | $1,137.01 | $1,280.26 | $1,789.16 | $2,718.80 |
| Jackson County | $1,005.29 | $1,141 | $1,284.76 | $1,795.45 | $2,728.36 |
| Madison County | $1,007.73 | $1,143.77 | $1,287.88 | $1,799.81 | $2,734.98 |
| Calhoun County | $1,021.02 | $1,158.86 | $1,304.86 | $1,823.54 | $2,771.05 |
| Lafayette County | $1,021.15 | $1,159.01 | $1,305.03 | $1,823.77 | $2,771.40 |
| Franklin County | $1,038.23 | $1,178.39 | $1,326.86 | $1,854.28 | $2,817.76 |
| Manatee County | $1,056.26 | $1,198.86 | $1,349.90 | $1,886.48 | $2,866.69 |
| Liberty County | $1,058.02 | $1,200.85 | $1,352.15 | $1,889.62 | $2,871.47 |
| Bay County | $1,060.19 | $1,203.32 | $1,354.92 | $1,893.50 | $2,877.36 |
| Escambia County | $1,061.55 | $1,204.86 | $1,356.66 | $1,895.93 | $2,881.05 |
| Gulf County | $1,062.63 | $1,206.09 | $1,358.04 | $1,897.86 | $2,883.98 |
| Leon County | $1,066.29 | $1,210.24 | $1,362.72 | $1,904.39 | $2,893.91 |
| Hendry County | $1,097.61 | $1,245.79 | $1,402.75 | $1,960.33 | $2,978.91 |
| Saint Johns County | $1,108.59 | $1,258.25 | $1,416.78 | $1,979.94 | $3,008.71 |
| Okaloosa County | $1,130 | $1,282.55 | $1,444.14 | $2,018.18 | $3,066.82 |
| Gadsden County | $1,149.66 | $1,304.86 | $1,469.27 | $2,053.29 | $3,120.18 |
| Wakulla County | $1,155.22 | $1,311.17 | $1,476.37 | $2,063.22 | $3,135.27 |
| Jefferson County | $1,168.09 | $1,325.78 | $1,492.82 | $2,086.21 | $3,170.20 |
| Santa Rosa County | $1,174.19 | $1,332.71 | $1,500.61 | $2,097.10 | $3,186.75 |
| Volusia County | $1,196.70 | $1,358.25 | $1,529.38 | $2,137.31 | $3,247.84 |
| Saint Lucie County | $1,210.39 | $1,373.79 | $1,546.88 | $2,161.76 | $3,285 |
| Collier County | $1,224.89 | $1,390.25 | $1,565.41 | $2,187.65 | $3,324.35 |
| Duval County | $1,226.25 | $1,391.79 | $1,567.15 | $2,190.08 | $3,328.04 |
| Clay County | $1,230.59 | $1,396.72 | $1,572.69 | $2,197.83 | $3,339.82 |
| Martin County | $1,236.96 | $1,403.95 | $1,580.83 | $2,209.21 | $3,357.11 |
| Walton County | $1,238.18 | $1,405.33 | $1,582.39 | $2,211.39 | $3,360.42 |
| Palm Beach County | $1,240.48 | $1,407.94 | $1,585.33 | $2,215.50 | $3,366.66 |
| Bradford County | $1,241.84 | $1,409.49 | $1,587.07 | $2,217.93 | $3,370.35 |
| Desoto County | $1,242.24 | $1,409.94 | $1,587.58 | $2,218.64 | $3,371.44 |
| Indian River County | $1,242.24 | $1,409.94 | $1,587.58 | $2,218.64 | $3,371.44 |
| Baker County | $1,244.41 | $1,412.41 | $1,590.36 | $2,222.52 | $3,377.33 |
| Pasco County | $1,246.85 | $1,415.17 | $1,593.47 | $2,226.87 | $3,383.95 |
| Highlands County | $1,250.38 | $1,419.18 | $1,597.99 | $2,233.18 | $3,393.53 |
| Polk County | $1,252.41 | $1,421.49 | $1,600.58 | $2,236.80 | $3,399.04 |
| Putnam County | $1,272.61 | $1,444.41 | $1,626.40 | $2,272.88 | $3,453.86 |
| Glades County | $1,274.24 | $1,446.26 | $1,628.48 | $2,275.79 | $3,458.29 |
| Pinellas County | $1,277.08 | $1,449.49 | $1,632.11 | $2,280.86 | $3,466 |
| Flagler County | $1,277.62 | $1,450.10 | $1,632.80 | $2,281.83 | $3,467.46 |
| Union County | $1,278.30 | $1,450.87 | $1,633.67 | $2,283.04 | $3,469.31 |
| Alachua County | $1,281.01 | $1,453.95 | $1,637.13 | $2,287.88 | $3,476.66 |
| Hillsborough County | $1,282.23 | $1,455.33 | $1,638.69 | $2,290.06 | $3,479.97 |
| Dixie County | $1,313.41 | $1,490.72 | $1,678.54 | $2,345.75 | $3,564.59 |
| Gilchrist County | $1,316.26 | $1,493.96 | $1,682.18 | $2,350.84 | $3,572.33 |
| Suwannee County | $1,319.38 | $1,497.50 | $1,686.17 | $2,356.41 | $3,580.80 |
| Lee County | $1,322.77 | $1,501.34 | $1,690.50 | $2,362.47 | $3,590 |
| Levy County | $1,330.36 | $1,509.96 | $1,700.20 | $2,376.02 | $3,610.60 |
| Broward County | $1,343.64 | $1,525.03 | $1,717.17 | $2,399.74 | $3,646.64 |
| Columbia County | $1,343.64 | $1,525.03 | $1,717.17 | $2,399.74 | $3,646.64 |
| Orange County | $1,393.25 | $1,581.34 | $1,780.57 | $2,488.34 | $3,781.28 |
| Seminole County | $1,452.22 | $1,648.27 | $1,855.94 | $2,593.66 | $3,941.33 |
| Okeechobee County | $1,485.98 | $1,686.59 | $1,899.08 | $2,653.96 | $4,032.95 |
| Miami-Dade County | $1,508.88 | $1,712.58 | $1,928.35 | $2,694.86 | $4,095.10 |
| Nassau County | $1,512.27 | $1,716.43 | $1,932.68 | $2,700.91 | $4,104.30 |
| Hardee County | $1,531.39 | $1,738.13 | $1,957.12 | $2,735.06 | $4,156.19 |
| Osceola County | $1,594.83 | $1,810.13 | $2,038.19 | $2,848.37 | $4,328.37 |
| Hamilton County | $1,693.92 | $1,922.60 | $2,164.83 | $3,025.34 | $4,597.30 |
| Monroe County | $1,704.22 | $1,934.29 | $2,177.99 | $3,043.74 | $4,625.25 |
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.