BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — full price in Indian River County, Florida (2026)
BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) (16842FL0120096), a platinum plan from Florida Blue (BlueCross BlueShield FL) in Indian River County, Florida, costs $1462.93/month full price for a 40-year-old in 2026 — $3106.72 at 60, with a $0 deductible and $5,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0120096 · 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 | $1144.70 |
| 27 | $1199.65 |
| 30 | $1299.23 |
| 40 | $1462.93 |
| 50 | $2044.43 |
| 60 | $3106.72 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $5,200
- Family out-of-pocket max: $10,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $591.15/mo. This plan is $1462.93/mo at 40 — a difference of $871.78/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 platinum plans in Indian River County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| myBlue Platinum 2015 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1199.75 |
| myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1256.86 |
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $1365.86 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $1403.76 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $2074.59 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0120096 in FIPS 12061.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Indian River County
Reviewed by Jason Burns, Editorial Steward.