BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
Starting at
$1655
/month before subsidy
BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) is a 2026 Platinum POS health insurance plan from Florida Blue HMO (a BlueCross BlueShield FL company), sold on the ACA Marketplace in Florida under plan ID 30252FL0140015. The monthly premium starts at $1,655 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $2,525 ($5,050 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 30252FL0140015
- Plan year
- 2026
- State
- Florida
- Metal level
- Platinum
- Plan type
- POS
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$2,525
Family: $5,050
Coinsurance
20%
You pay after deductible
Network Type
POS
FLN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$460
your estimated cost
- Deductible
- $0
- Copays
- $400
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$1,300
your estimated cost
- Deductible
- $0
- Copays
- $1,300
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$400
your estimated cost
- Deductible
- $0
- Copays
- $200
- Coinsurance
- $200
Enter your ZIP code first to search nearby doctors.
This Platinum POS 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
$1,865/month
Annual Premium
$19,860
OOP Maximum
$2,525
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $2,525 total. Then insurance covers everything else for the year.
More plans from Florida Blue HMO (a BlueCross BlueShield FL company) in Florida
- BlueCare Bronze 24K01-05 (Rewards)from $627/mo
- BlueCare Bronze 24K02-18 (Rewards)from $817/mo
- myBlue Bronze 26M01-23 (Rewards)from $489/mo
- myBlue Bronze 26M02-24 (Rewards)from $531/mo
- BlueCare Bronze (HSA) 24K01-09 (Rewards / $4 Condition Care Rx)from $662/mo
- BlueCare Bronze 24K01-03 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)from $678/mo
- BlueCare Bronze 24K01-25 ($50 PCP Visits / $75 Specialist Visits / Rewards)from $716/mo
- BlueCare Bronze 24K01-31S ($50 PCP Visits / Rewards)from $662/mo
Frequently asked questions about BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)
How much does BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) cost per month?
BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) from Florida Blue HMO (a BlueCross BlueShield FL company) starts at $1,655 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 Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)?
The individual medical deductible is $0. 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 Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards)?
The most you would pay in a year for covered in-network care is $2,525 for an individual and $5,050 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) HSA-eligible?
No. BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / 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 BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / Rewards) use?
BlueCare Platinum 24K02-15 ($0 Deductible / $0 Labs / $15 PCP Visits / $25 Specialist Visits / 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
- 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.