BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — full price in Clay 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 Clay County, Florida, costs $1584.20/month full price for a 40-year-old in 2026 — $3364.25 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 | $1239.59 |
| 27 | $1299.09 |
| 30 | $1406.93 |
| 40 | $1584.20 |
| 50 | $2213.91 |
| 60 | $3364.25 |
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 $710.56/mo. This plan is $1584.20/mo at 40 — a difference of $873.64/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 Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Health Maintenance Organization of Florida | $642.24 |
| Gold Classic Standard | Oscar Health Maintenance Organization of Florida | $674.66 |
| Standard Gold | Ambetter Health | $786.21 |
| Everyday Gold | Ambetter Health | $803.24 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $807.48 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260012 in FIPS 12019.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.