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BronzePOSHSA Eligible

BlueCare Bronze 24K01-05 (Rewards)

Florida Blue HMO (a BlueCross BlueShield FL company)

Starting at

$627

/month before subsidy

Key facts

BlueCare Bronze 24K01-05 (Rewards) is a 2026 Bronze POS health insurance plan from Florida Blue HMO (a BlueCross BlueShield FL company), sold on the ACA Marketplace in Florida under plan ID 30252FL0140005. The monthly premium starts at $627 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $6,150 ($12,300 for a family), and the individual out-of-pocket maximum is $10,150 ($20,300 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
30252FL0140005
Plan year
2026
State
Florida
Metal level
Bronze
Plan type
POS
HSA-eligible
Yes

Individual Deductible

$6,150

Family: $12,300

Out-of-Pocket Max

$10,150

Family: $20,300

Coinsurance

50%

You pay after deductible

Network Type

POS

FLN001

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care VisitNo Charge
Specialist Visit50.00% Coinsurance after deductible
Urgent Care50.00% Coinsurance after deductible
Emergency Room50.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs42.00% Coinsurance after deductible
Brand Name Drugs47.00% Coinsurance after deductible
Specialty Drugs50.00% Coinsurance after deductible
What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$9,410

your estimated cost

Deductible
$6,150
Copays
$0
Coinsurance
$3,200

Managing type 2 diabetes

A year of routine care

$5,000

your estimated cost

Deductible
$4,500
Copays
$500
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,720

your estimated cost

Deductible
$2,700
Copays
$20
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by Florida Blue HMO (a BlueCross BlueShield FL company). These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

This Bronze POS plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.

Consider this plan if you:

  • Rarely visit the doctor beyond annual checkups
  • Have savings to cover the $6,150 deductible if needed
  • Primarily need coverage for unexpected emergencies
  • Want to minimize monthly healthcare expenses

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,473/month

Annual Premium

$7,524

OOP Maximum

$10,150

💡 What this means:

With a $6,150 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.

More plans from Florida Blue HMO (a BlueCross BlueShield FL company) in Florida

View all Marketplace plans in Florida

Frequently asked questions about BlueCare Bronze 24K01-05 (Rewards)

How much does BlueCare Bronze 24K01-05 (Rewards) cost per month?

BlueCare Bronze 24K01-05 (Rewards) from Florida Blue HMO (a BlueCross BlueShield FL company) starts at $627 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 BlueCare Bronze 24K01-05 (Rewards)?

The individual medical deductible is $6,150, and the family deductible is $12,300. 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 BlueCare Bronze 24K01-05 (Rewards)?

The most you would pay in a year for covered in-network care is $10,150 for an individual and $20,300 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is BlueCare Bronze 24K01-05 (Rewards) HSA-eligible?

Yes. BlueCare Bronze 24K01-05 (Rewards) is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does BlueCare Bronze 24K01-05 (Rewards) use?

BlueCare Bronze 24K01-05 (Rewards) is a POS plan. POS plans blend HMO and PPO features: you pick a primary care provider and can go out of network at a higher cost.

Understand what you'd actually pay

Enroll at HealthCare.govBrowse Florida plans

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.