BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)
Starting at
$1148
/month before subsidy
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) is a 2026 Gold PPO health insurance plan from Florida Blue (BlueCross BlueShield FL), sold on the ACA Marketplace in Florida under plan ID 16842FL0260012. The monthly premium starts at $1,148 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,500 ($3,000 for a family), and the individual out-of-pocket maximum is $6,450 ($12,900 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 16842FL0260012
- Plan year
- 2026
- State
- Florida
- Metal level
- Gold
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$1,500
Family: $3,000
Out-of-Pocket Max
$6,450
Family: $12,900
Coinsurance
20%
You pay after deductible
Network Type
PPO
FLN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$2,860
your estimated cost
- Deductible
- $1,500
- Copays
- $200
- Coinsurance
- $1,100
Managing type 2 diabetes
A year of routine care
$2,100
your estimated cost
- Deductible
- $0
- Copays
- $2,100
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,600
your estimated cost
- Deductible
- $900
- Copays
- $700
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Gold PPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,686/month
Annual Premium
$13,776
OOP Maximum
$6,450
💡 What this means:
With a $1,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $6,450 total. Then insurance covers everything else for the year.
More plans from Florida Blue (BlueCross BlueShield FL) in Florida
- BlueOptions Bronze 24J01-06 (Rewards)from $660/mo
- BlueSelect Bronze 24L01-01 (Rewards)from $497/mo
- BlueOptions Bronze (HSA) 24J01-10 (Rewards / $4 Condition Care Rx)from $691/mo
- BlueOptions Bronze 24J01-04 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)from $696/mo
- BlueOptions Bronze 24J01-17 ($50 PCP Visits / Rewards)from $727/mo
- BlueOptions Bronze 24J01-18S ($50 PCP Visits / Rewards)from $685/mo
- BlueSelect Bronze (HSA) 1735 (Rewards / $4 Condition Care Rx)from $520/mo
- BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)from $523/mo
Frequently asked questions about BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)
How much does BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) cost per month?
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) from Florida Blue (BlueCross BlueShield FL) starts at $1,148 per month before any subsidy in Florida. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)?
The individual medical deductible is $1,500, and the family deductible is $3,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards)?
The most you would pay in a year for covered in-network care is $6,450 for an individual and $12,900 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) HSA-eligible?
No. BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) use?
BlueOptions Gold 24J01-12 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.