BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — full price in Charlotte County, Florida (2026)
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) (16842FL0260012), a gold plan from Florida Blue (BlueCross BlueShield FL) in Charlotte County, Florida, costs $1221.74/month full price for a 40-year-old in 2026 — $2594.53 at 60, with a $1,500 deductible and $6,450 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0260012 · Issuer: Florida Blue (BlueCross BlueShield FL) · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $955.98 |
| 27 | $1001.87 |
| 30 | $1085.04 |
| 40 | $1221.74 |
| 50 | $1707.38 |
| 60 | $2594.53 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $6,450
- Family out-of-pocket max: $12,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $702.52/mo. This plan is $1221.74/mo at 40 — a difference of $519.22/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Charlotte County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | with AdventHealth | Oscar Health Maintenance Organization of Florida | $686.63 |
| Standard Gold | Ambetter Health | $687.52 |
| Gold Elite Saver Plus | with AdventHealth | Oscar Health Maintenance Organization of Florida | $688.54 |
| Everyday Gold | Ambetter Health | $702.40 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $706.12 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260012 in FIPS 12015.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Charlotte County
Reviewed by Jason Burns, Editorial Steward.