BlueCare Silver 24K01-02 ($10 Labs / Rewards)
Silver · POS · Florida Blue HMO (a BlueCross BlueShield FL company) · Florida
At age 40 it costs between $863.40 and $1,317.52 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 | 30252FL0140002 |
|---|---|
| Insurer | Florida Blue HMO (a BlueCross BlueShield FL company) |
| Metal level | Silver |
| Plan type | POS |
| 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
35 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 |
|---|---|---|---|---|---|
| Escambia County | $675.59 | $766.79 | $863.40 | $1,206.60 | $1,833.55 |
| Bay County | $690.24 | $783.42 | $882.13 | $1,232.77 | $1,873.31 |
| Polk County | $700.03 | $794.53 | $894.64 | $1,250.25 | $1,899.88 |
| Hernando County | $702.87 | $797.76 | $898.27 | $1,255.33 | $1,907.59 |
| Sumter County | $707.14 | $802.60 | $903.72 | $1,262.95 | $1,919.18 |
| Citrus County | $713.33 | $809.63 | $911.64 | $1,274.01 | $1,935.98 |
| Manatee County | $715.25 | $811.81 | $914.09 | $1,277.44 | $1,941.19 |
| Clay County | $718.52 | $815.52 | $918.27 | $1,283.28 | $1,950.06 |
| Walton County | $722.61 | $820.16 | $923.50 | $1,290.58 | $1,961.16 |
| Saint Johns County | $730.81 | $829.47 | $933.98 | $1,305.23 | $1,983.42 |
| Okaloosa County | $731.15 | $829.86 | $934.41 | $1,305.83 | $1,984.34 |
| Hendry County | $732.65 | $831.56 | $936.33 | $1,308.51 | $1,988.41 |
| Martin County | $734.91 | $834.12 | $939.21 | $1,312.55 | $1,994.55 |
| Alachua County | $738.43 | $838.12 | $943.71 | $1,318.84 | $2,004.10 |
| Charlotte County | $747.46 | $848.37 | $955.25 | $1,334.96 | $2,028.61 |
| Levy County | $747.63 | $848.56 | $955.47 | $1,335.27 | $2,029.07 |
| Bradford County | $756.83 | $859 | $967.23 | $1,351.70 | $2,054.04 |
| Baker County | $761.69 | $864.52 | $973.44 | $1,360.38 | $2,067.23 |
| Santa Rosa County | $762.19 | $865.09 | $974.08 | $1,361.27 | $2,068.58 |
| Sarasota County | $764.53 | $867.74 | $977.07 | $1,365.45 | $2,074.93 |
| Collier County | $766.79 | $870.31 | $979.96 | $1,369.49 | $2,081.07 |
| Suwannee County | $776.91 | $881.79 | $992.89 | $1,387.56 | $2,108.53 |
| Columbia County | $782.10 | $887.68 | $999.52 | $1,396.83 | $2,122.62 |
| Dixie County | $786.12 | $892.25 | $1,004.66 | $1,404.01 | $2,133.53 |
| Okeechobee County | $786.79 | $893.01 | $1,005.52 | $1,405.21 | $2,135.35 |
| Gilchrist County | $791.72 | $898.60 | $1,011.82 | $1,414.01 | $2,148.73 |
| Saint Lucie County | $792.39 | $899.36 | $1,012.67 | $1,415.21 | $2,150.55 |
| Lake County | $802.26 | $910.57 | $1,025.29 | $1,432.84 | $2,177.33 |
| Desoto County | $810.04 | $919.40 | $1,035.23 | $1,446.73 | $2,198.45 |
| Nassau County | $820.67 | $931.46 | $1,048.82 | $1,465.72 | $2,227.30 |
| Marion County | $823.01 | $934.12 | $1,051.81 | $1,469.90 | $2,233.65 |
| Lee County | $862.08 | $978.46 | $1,101.74 | $1,539.67 | $2,339.69 |
| Brevard County | $980.64 | $1,113.03 | $1,253.26 | $1,751.42 | $2,661.46 |
| Volusia County | $1,004.57 | $1,140.19 | $1,283.84 | $1,794.16 | $2,726.40 |
| Flagler County | $1,030.92 | $1,170.09 | $1,317.52 | $1,841.22 | $2,797.92 |
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.