BlueOptions Silver 24J01-03 ($10 Labs / Rewards) — full price in Franklin County, Florida (2026)
BlueOptions Silver 24J01-03 ($10 Labs / Rewards) (16842FL0260003), a silver plan from Florida Blue (BlueCross BlueShield FL) in Franklin County, Florida, costs $1242.25/month full price for a 40-year-old in 2026 — $2638.09 at 60, with a $4,000 deductible and $8,100 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0260003 · 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 | $972.03 |
| 27 | $1018.69 |
| 30 | $1103.25 |
| 40 | $1242.25 |
| 50 | $1736.05 |
| 60 | $2638.09 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,000
- Family deductible: $8,000
- Individual out-of-pocket max: $8,100
- Family out-of-pocket max: $16,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $652.80/mo. This plan is $1242.25/mo at 40 — a difference of $589.45/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 silver plans in Franklin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clarity Silver | Ambetter Health | $612.66 |
| Capital Health Plan HMO Silver 2400 | Capital Health Plan | $652.80 |
| Standard Silver | Ambetter Health | $653.48 |
| Focused Silver | Ambetter Health | $661.36 |
| Standard Silver + Vision + Adult Dental | Ambetter Health | $671.16 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260003 in FIPS 12037.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Franklin County
Reviewed by Jason Burns, Editorial Steward.