BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) — full price in Polk County, Florida (2026)
BlueSelect Platinum 1451 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) (16842FL0120062), a platinum plan from Florida Blue (BlueCross BlueShield FL) in Polk County, Florida, costs $1377.05/month full price for a 40-year-old in 2026 — $2924.34 at 60, with a $1,000 deductible and $4,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0120062 · 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 | $1077.50 |
| 27 | $1129.22 |
| 30 | $1222.96 |
| 40 | $1377.05 |
| 50 | $1924.42 |
| 60 | $2924.34 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,000
- Family deductible: $2,000
- Individual out-of-pocket max: $4,000
- Family out-of-pocket max: $8,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $660.96/mo. This plan is $1377.05/mo at 40 — a difference of $716.09/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 Polk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| myBlue Platinum 24M05-75 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1198.15 |
| myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1255.11 |
| BlueCare Platinum 24K01-04 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1279.53 |
| BlueCare Platinum 24K01-07 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1328.23 |
| BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Rewards) | Florida Blue HMO (a BlueCross BlueShield FL company) | $1391.95 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0120062 in FIPS 12105.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Polk County
Reviewed by Jason Burns, Editorial Steward.