BlueCare Silver 24K01-32S ($40 PCP Visits / $80 Specialist Visits / Rewards)
Silver · POS · Florida Blue HMO (a BlueCross BlueShield FL company) · Florida
At age 40 it costs between $892.52 and $1,361.93 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What 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 | 30252FL0140032 |
|---|---|
| Insurer | Florida Blue HMO (a BlueCross BlueShield FL company) |
| Metal level | Silver |
| Plan type | POS |
| 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
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 | $698.37 | $792.65 | $892.52 | $1,247.29 | $1,895.38 |
| Bay County | $713.50 | $809.82 | $911.85 | $1,274.31 | $1,936.44 |
| Polk County | $723.62 | $821.31 | $924.79 | $1,292.39 | $1,963.90 |
| Hernando County | $726.56 | $824.65 | $928.54 | $1,297.64 | $1,971.88 |
| Sumter County | $730.97 | $829.65 | $934.18 | $1,305.51 | $1,983.85 |
| Citrus County | $737.37 | $836.91 | $942.36 | $1,316.94 | $2,001.22 |
| Manatee County | $739.36 | $839.17 | $944.90 | $1,320.50 | $2,006.62 |
| Clay County | $742.73 | $843 | $949.21 | $1,326.52 | $2,015.77 |
| Walton County | $746.97 | $847.81 | $954.63 | $1,334.09 | $2,027.28 |
| Saint Johns County | $755.45 | $857.44 | $965.47 | $1,349.23 | $2,050.29 |
| Okaloosa County | $755.79 | $857.82 | $965.90 | $1,349.84 | $2,051.21 |
| Hendry County | $757.35 | $859.59 | $967.89 | $1,352.63 | $2,055.45 |
| Martin County | $759.68 | $862.24 | $970.87 | $1,356.79 | $2,061.77 |
| Alachua County | $763.32 | $866.37 | $975.52 | $1,363.29 | $2,071.65 |
| Charlotte County | $772.66 | $876.97 | $987.46 | $1,379.97 | $2,097 |
| Levy County | $772.83 | $877.16 | $987.68 | $1,380.27 | $2,097.46 |
| Bradford County | $782.34 | $887.96 | $999.83 | $1,397.26 | $2,123.27 |
| Baker County | $787.36 | $893.65 | $1,006.25 | $1,406.22 | $2,136.90 |
| Santa Rosa County | $787.88 | $894.24 | $1,006.91 | $1,407.15 | $2,138.31 |
| Sarasota County | $790.30 | $896.99 | $1,010 | $1,411.48 | $2,144.87 |
| Collier County | $792.64 | $899.65 | $1,012.99 | $1,415.66 | $2,151.22 |
| Suwannee County | $803.10 | $911.52 | $1,026.36 | $1,434.34 | $2,179.61 |
| Columbia County | $808.46 | $917.60 | $1,033.21 | $1,443.91 | $2,194.16 |
| Dixie County | $812.61 | $922.31 | $1,038.52 | $1,451.32 | $2,205.42 |
| Okeechobee County | $813.30 | $923.10 | $1,039.40 | $1,452.55 | $2,207.30 |
| Gilchrist County | $818.41 | $928.90 | $1,045.93 | $1,461.68 | $2,221.16 |
| Saint Lucie County | $819.10 | $929.68 | $1,046.81 | $1,462.91 | $2,223.04 |
| Lake County | $829.30 | $941.26 | $1,059.85 | $1,481.13 | $2,250.72 |
| Desoto County | $837.35 | $950.39 | $1,070.13 | $1,495.51 | $2,272.57 |
| Nassau County | $848.33 | $962.85 | $1,084.17 | $1,515.12 | $2,302.37 |
| Marion County | $850.75 | $965.60 | $1,087.26 | $1,519.44 | $2,308.94 |
| Lee County | $891.14 | $1,011.44 | $1,138.88 | $1,591.58 | $2,418.55 |
| Brevard County | $1,013.69 | $1,150.54 | $1,295.50 | $1,810.45 | $2,751.15 |
| Volusia County | $1,038.43 | $1,178.62 | $1,327.11 | $1,854.64 | $2,818.30 |
| Flagler County | $1,065.67 | $1,209.54 | $1,361.93 | $1,903.29 | $2,892.23 |
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.