BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards)
Gold · PPO · Florida Blue (BlueCross BlueShield FL) · Florida
At age 40 it costs between $1,121.28 and $2,143.01 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 | 16842FL0260020 |
|---|---|
| Insurer | Florida Blue (BlueCross BlueShield FL) |
| Metal level | Gold |
| Plan type | PPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $877.37 | $995.81 | $1,121.28 | $1,566.98 | $2,381.18 |
| Hernando County | $905.65 | $1,027.91 | $1,157.42 | $1,617.49 | $2,457.93 |
| Washington County | $920.06 | $1,044.27 | $1,175.84 | $1,643.23 | $2,497.04 |
| Citrus County | $926.32 | $1,051.37 | $1,183.84 | $1,654.41 | $2,514.03 |
| Charlotte County | $933.79 | $1,059.85 | $1,193.38 | $1,667.75 | $2,534.31 |
| Lake County | $941.53 | $1,068.64 | $1,203.28 | $1,681.57 | $2,555.31 |
| Taylor County | $947.80 | $1,075.75 | $1,211.29 | $1,692.77 | $2,572.33 |
| Marion County | $951.53 | $1,079.99 | $1,216.06 | $1,699.43 | $2,582.45 |
| Brevard County | $957.80 | $1,087.10 | $1,224.07 | $1,710.63 | $2,599.47 |
| Holmes County | $963.80 | $1,093.91 | $1,231.74 | $1,721.35 | $2,615.75 |
| Sarasota County | $985.68 | $1,118.75 | $1,259.70 | $1,760.42 | $2,675.14 |
| Jackson County | $989.15 | $1,122.69 | $1,264.13 | $1,766.62 | $2,684.55 |
| Madison County | $991.55 | $1,125.41 | $1,267.20 | $1,770.91 | $2,691.07 |
| Calhoun County | $1,004.62 | $1,140.24 | $1,283.90 | $1,794.25 | $2,726.54 |
| Lafayette County | $1,004.75 | $1,140.39 | $1,284.07 | $1,794.48 | $2,726.89 |
| Franklin County | $1,021.56 | $1,159.47 | $1,305.55 | $1,824.51 | $2,772.51 |
| Manatee County | $1,039.30 | $1,179.61 | $1,328.23 | $1,856.19 | $2,820.66 |
| Liberty County | $1,041.03 | $1,181.57 | $1,330.44 | $1,859.28 | $2,825.36 |
| Bay County | $1,043.16 | $1,183.99 | $1,333.16 | $1,863.08 | $2,831.14 |
| Escambia County | $1,044.50 | $1,185.51 | $1,334.87 | $1,865.48 | $2,834.77 |
| Gulf County | $1,045.57 | $1,186.72 | $1,336.24 | $1,867.39 | $2,837.68 |
| Leon County | $1,049.17 | $1,190.81 | $1,340.84 | $1,873.82 | $2,847.45 |
| Hendry County | $1,079.98 | $1,225.78 | $1,380.21 | $1,928.84 | $2,931.07 |
| Saint Johns County | $1,090.78 | $1,238.04 | $1,394.02 | $1,948.13 | $2,960.38 |
| Okaloosa County | $1,111.86 | $1,261.96 | $1,420.96 | $1,985.78 | $3,017.59 |
| Gadsden County | $1,131.20 | $1,283.91 | $1,445.67 | $2,020.32 | $3,070.08 |
| Wakulla County | $1,136.66 | $1,290.11 | $1,452.65 | $2,030.07 | $3,084.90 |
| Jefferson County | $1,149.34 | $1,304.50 | $1,468.86 | $2,052.72 | $3,119.31 |
| Santa Rosa County | $1,155.34 | $1,311.31 | $1,476.52 | $2,063.44 | $3,135.59 |
| Volusia County | $1,177.48 | $1,336.44 | $1,504.82 | $2,102.98 | $3,195.68 |
| Saint Lucie County | $1,190.95 | $1,351.73 | $1,522.03 | $2,127.04 | $3,232.24 |
| Collier County | $1,205.22 | $1,367.92 | $1,540.27 | $2,152.52 | $3,270.97 |
| Duval County | $1,206.56 | $1,369.45 | $1,541.98 | $2,154.92 | $3,274.60 |
| Clay County | $1,210.82 | $1,374.28 | $1,547.43 | $2,162.52 | $3,286.17 |
| Martin County | $1,217.09 | $1,381.40 | $1,555.44 | $2,173.72 | $3,303.18 |
| Walton County | $1,218.29 | $1,382.76 | $1,556.97 | $2,175.87 | $3,306.44 |
| Palm Beach County | $1,220.56 | $1,385.34 | $1,559.88 | $2,179.92 | $3,312.60 |
| Bradford County | $1,221.89 | $1,386.85 | $1,561.58 | $2,182.30 | $3,316.21 |
| Desoto County | $1,222.29 | $1,387.30 | $1,562.09 | $2,183.01 | $3,317.30 |
| Indian River County | $1,222.29 | $1,387.30 | $1,562.09 | $2,183.01 | $3,317.30 |
| Baker County | $1,224.43 | $1,389.73 | $1,564.82 | $2,186.83 | $3,323.10 |
| Pasco County | $1,226.83 | $1,392.45 | $1,567.89 | $2,191.12 | $3,329.62 |
| Highlands County | $1,230.30 | $1,396.39 | $1,572.32 | $2,197.32 | $3,339.03 |
| Polk County | $1,232.30 | $1,398.66 | $1,574.88 | $2,200.89 | $3,344.46 |
| Putnam County | $1,252.17 | $1,421.21 | $1,600.27 | $2,236.38 | $3,398.39 |
| Glades County | $1,253.77 | $1,423.03 | $1,602.32 | $2,239.23 | $3,402.73 |
| Pinellas County | $1,256.57 | $1,426.21 | $1,605.90 | $2,244.23 | $3,410.33 |
| Flagler County | $1,257.11 | $1,426.82 | $1,606.59 | $2,245.20 | $3,411.80 |
| Union County | $1,257.77 | $1,427.57 | $1,607.43 | $2,246.38 | $3,413.59 |
| Alachua County | $1,260.44 | $1,430.60 | $1,610.84 | $2,251.15 | $3,420.83 |
| Hillsborough County | $1,261.64 | $1,431.96 | $1,612.38 | $2,253.29 | $3,424.09 |
| Dixie County | $1,292.32 | $1,466.78 | $1,651.58 | $2,308.08 | $3,507.36 |
| Gilchrist County | $1,295.12 | $1,469.96 | $1,655.16 | $2,313.08 | $3,514.96 |
| Suwannee County | $1,298.19 | $1,473.45 | $1,659.09 | $2,318.57 | $3,523.29 |
| Lee County | $1,301.52 | $1,477.23 | $1,663.34 | $2,324.51 | $3,532.33 |
| Levy County | $1,308.99 | $1,485.70 | $1,672.89 | $2,337.86 | $3,552.60 |
| Broward County | $1,322.06 | $1,500.54 | $1,689.59 | $2,361.20 | $3,588.07 |
| Columbia County | $1,322.06 | $1,500.54 | $1,689.59 | $2,361.20 | $3,588.07 |
| Orange County | $1,370.88 | $1,555.95 | $1,751.98 | $2,448.39 | $3,720.57 |
| Seminole County | $1,428.90 | $1,621.80 | $1,826.13 | $2,552.02 | $3,878.03 |
| Okeechobee County | $1,462.11 | $1,659.49 | $1,868.58 | $2,611.33 | $3,968.17 |
| Miami-Dade County | $1,484.65 | $1,685.08 | $1,897.38 | $2,651.58 | $4,029.34 |
| Nassau County | $1,487.99 | $1,688.87 | $1,901.65 | $2,657.55 | $4,038.40 |
| Hardee County | $1,506.79 | $1,710.21 | $1,925.68 | $2,691.13 | $4,089.43 |
| Osceola County | $1,569.22 | $1,781.06 | $2,005.46 | $2,802.63 | $4,258.86 |
| Hamilton County | $1,666.72 | $1,891.73 | $2,130.07 | $2,976.76 | $4,523.48 |
| Monroe County | $1,676.85 | $1,903.22 | $2,143.01 | $2,994.85 | $4,550.97 |
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.