BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) — full price in Lee County, Florida (2026)
BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) (16842FL0260004), a expanded bronze plan from Florida Blue (BlueCross BlueShield FL) in Lee County, Florida, costs $1032.16/month full price for a 40-year-old in 2026 — $2191.93 at 60, with a $6,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0260004 · 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 | $807.64 |
| 27 | $846.41 |
| 30 | $916.67 |
| 40 | $1032.16 |
| 50 | $1442.45 |
| 60 | $2191.93 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,500
- Family deductible: $13,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $717.30/mo. This plan is $1032.16/mo at 40 — a difference of $314.86/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 expanded bronze plans in Lee County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $553.53 |
| Wellpoint Essential Bronze 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $562.05 |
| UHC Bronze Standard | UnitedHealthcare | $564.27 |
| Wellpoint Essential Bronze 7500 ($0 Virtual PCP + $0 Select Drugs + Incentives) Standard | Wellpoint | $566.90 |
| Wellpoint Essential Bronze 5500 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives) | Wellpoint | $572.45 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260004 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.