BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — full price in Monroe County, Florida (2026)
BlueOptions Platinum 24J01-21S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) (16842FL0260021), a platinum plan from Florida Blue (BlueCross BlueShield FL) in Monroe County, Florida, costs $3051.03/month full price for a 40-year-old in 2026 — $6479.27 at 60, with a $0 deductible and $5,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0260021 · 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 | $2387.35 |
| 27 | $2501.94 |
| 30 | $2709.64 |
| 40 | $3051.03 |
| 50 | $4263.81 |
| 60 | $6479.27 |
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 $1277.62/mo. This plan is $3051.03/mo at 40 — a difference of $1773.41/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 platinum plans in Monroe County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $1873.82 |
| BlueSelect Platinum 1457 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $1925.79 |
| BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $2006.98 |
| BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $2846.11 |
| BlueOptions Platinum 24J01-08 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Florida Blue (BlueCross BlueShield FL) | $2928.09 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260021 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.