BlueCare Silver 24K02-21 ($10 Labs / Rewards)
Silver · POS · Florida Blue HMO (a BlueCross BlueShield FL company) · Florida
At age 40 it costs between $1,103.28 and $1,287.85 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 | 30252FL0140021 |
|---|---|
| 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
10 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 |
|---|---|---|---|---|---|
| Pinellas County | $863.29 | $979.83 | $1,103.28 | $1,541.84 | $2,342.97 |
| Hillsborough County | $881.74 | $1,000.77 | $1,126.86 | $1,574.79 | $2,393.04 |
| Pasco County | $892.26 | $1,012.72 | $1,140.31 | $1,593.58 | $2,421.59 |
| Broward County | $925.26 | $1,050.17 | $1,182.48 | $1,652.51 | $2,511.16 |
| Duval County | $927.83 | $1,053.09 | $1,185.77 | $1,657.10 | $2,518.13 |
| Miami-Dade County | $931.97 | $1,057.79 | $1,191.06 | $1,664.50 | $2,529.37 |
| Orange County | $931.97 | $1,057.79 | $1,191.06 | $1,664.50 | $2,529.37 |
| Palm Beach County | $974.71 | $1,106.30 | $1,245.68 | $1,740.83 | $2,645.36 |
| Seminole County | $994.62 | $1,128.89 | $1,271.12 | $1,776.39 | $2,699.40 |
| Osceola County | $1,007.71 | $1,143.75 | $1,287.85 | $1,799.77 | $2,734.92 |
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.