BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) — full price in Hamilton County, Florida (2026)
BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) (16842FL0260020), a gold plan from Florida Blue (BlueCross BlueShield FL) in Hamilton County, Florida, costs $2130.07/month full price for a 40-year-old in 2026 — $4523.48 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0260020 · 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 | $1666.72 |
| 27 | $1746.72 |
| 30 | $1891.73 |
| 40 | $2130.07 |
| 50 | $2976.76 |
| 60 | $4523.48 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $1263.70/mo. This plan is $2130.07/mo at 40 — a difference of $866.37/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 Hamilton County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $1236.71 |
| Everyday Gold | Ambetter Health | $1263.49 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $1270.17 |
| Everyday Gold + Vision + Adult Dental | Ambetter Health | $1297.68 |
| Complete Gold | Ambetter Health | $1305.71 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260020 in FIPS 12047.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hamilton County
Reviewed by Jason Burns, Editorial Steward.