BlueOptions Silver 24J01-03 ($10 Labs / Rewards) — full price in Lee County, Florida (2026)
BlueOptions Silver 24J01-03 ($10 Labs / Rewards) (16842FL0260003), a silver plan from Florida Blue (BlueCross BlueShield FL) in Lee County, Florida, costs $1582.71/month full price for a 40-year-old in 2026 — $3361.10 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 | $1238.43 |
| 27 | $1297.87 |
| 30 | $1405.62 |
| 40 | $1582.71 |
| 50 | $2211.84 |
| 60 | $3361.10 |
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 $717.30/mo. This plan is $1582.71/mo at 40 — a difference of $865.41/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 Lee County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Silver Value ($0 Virtual Urgent Care, $5 Tier 2 Rx) | UnitedHealthcare | $712.73 |
| Wellpoint Essential Silver 3500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $717.30 |
| Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $720.19 |
| Wellpoint Essential Silver 3500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $727.85 |
| UHC Silver Value+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision) | UnitedHealthcare | $732.59 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260003 in FIPS 12071.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lee County
Reviewed by Jason Burns, Editorial Steward.