BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — full price in Collier County, Florida (2026)
BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) (16842FL0260009), a gold plan from Florida Blue (BlueCross BlueShield FL) in Collier County, Florida, costs $1619.71/month full price for a 40-year-old in 2026 — $3439.67 at 60, with a $0 deductible and $6,250 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0260009 · 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 | $1267.38 |
| 27 | $1328.21 |
| 30 | $1438.48 |
| 40 | $1619.71 |
| 50 | $2263.54 |
| 60 | $3439.67 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $6,250
- Family out-of-pocket max: $12,500
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $729.50/mo. This plan is $1619.71/mo at 40 — a difference of $890.21/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 Collier County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Connect Gold Mid-South 2250 Indiv Med Deductible | Cigna Healthcare | $738.44 |
| Connect Gold Mid-South CMS Standard | Cigna Healthcare | $754.75 |
| Standard Gold | Ambetter Health | $761.25 |
| Everyday Gold | Ambetter Health | $777.74 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $781.85 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260009 in FIPS 12021.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Collier County
Reviewed by Jason Burns, Editorial Steward.