BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) — full price in Monroe County, Florida (2026)
BlueOptions Gold 24J01-09 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) (16842FL0260009), a gold plan from Florida Blue (BlueCross BlueShield FL) in Monroe County, Florida, costs $2253.55/month full price for a 40-year-old in 2026 — $4785.70 at 60, with a $0 deductible and $6,250 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0260009 · 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 | $1763.34 |
| 27 | $1847.98 |
| 30 | $2001.39 |
| 40 | $2253.55 |
| 50 | $3149.33 |
| 60 | $4785.70 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $6,250
- Family out-of-pocket max: $12,500
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $1277.62/mo. This plan is $2253.55/mo at 40 — a difference of $975.93/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 Monroe County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueSelect Gold 2344S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $1430.48 |
| BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) | Florida Blue (BlueCross BlueShield FL) | $1464.33 |
| BlueSelect Gold 1535 ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Rewards) | Florida Blue (BlueCross BlueShield FL) | $1502.95 |
| BlueSelect Gold 1535V ($0 Deductible / $15 PCP Visits / $75 Specialist Visits / $20 Labs / Adult Vision / Rewards) | Florida Blue (BlueCross BlueShield FL) | $1508.51 |
| BlueOptions Gold 24J01-20S ($30 PCP Visits / $60 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $2143.01 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260009 in FIPS 12087.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Monroe County
Reviewed by Jason Burns, Editorial Steward.