BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — full price in Polk County, Florida (2026)
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) (16842FL0260012), a gold plan from Florida Blue (BlueCross BlueShield FL) in Polk County, Florida, costs $1612.30/month full price for a 40-year-old in 2026 — $3423.93 at 60, with a $1,500 deductible and $6,450 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 16842FL0260012 · 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 | $1261.58 |
| 27 | $1322.14 |
| 30 | $1431.89 |
| 40 | $1612.30 |
| 50 | $2253.18 |
| 60 | $3423.93 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $6,450
- Family out-of-pocket max: $12,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $660.96/mo. This plan is $1612.30/mo at 40 — a difference of $951.34/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 Polk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter Health | $675.36 |
| Everyday Gold | Ambetter Health | $689.98 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $693.63 |
| Gold Simple | with AdventHealth | Oscar Health Maintenance Organization of Florida | $697.43 |
| Gold Elite Saver Plus | with AdventHealth | Oscar Health Maintenance Organization of Florida | $699.38 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 16842FL0260012 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.