BlueSelect Platinum 2345S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) — full price in Palm Beach 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 Palm Beach County, Florida, costs $1460.86/month full price for a 40-year-old in 2026 — $3102.32 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 | $1143.08 |
| 27 | $1197.95 |
| 30 | $1297.40 |
| 40 | $1460.86 |
| 50 | $2041.54 |
| 60 | $3102.32 |
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 $676.38/mo. This plan is $1460.86/mo at 40 — a difference of $784.48/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 Palm Beach County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| AvMed Entrust Platinum 25 (2026) | AvMed | $1041.31 |
| AvMed Entrust Platinum 25 Dental+Vision (2026) | AvMed | $1045.04 |
| AvMed Entrust Platinum Standard (2026) | AvMed | $1069.27 |
| myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1247.70 |
| myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1307.02 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0120096 in FIPS 12099.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Palm Beach County
Reviewed by Jason Burns, Editorial Steward.