Sold outside the marketplace. This plan is bought directly from the insurer, so it is not eligible for a premium tax credit. If your income qualifies you for savings, a marketplace plan at the same price will usually cost you less.
BlueOptions Platinum 24J01-05 ($0 Labs / $15 PCP Visits / $35 Specialist Visits / Rewards)
Florida Blue (BlueCross BlueShield FL) · 2026 plan year
Platinum
- Ind. medical deductible
- $1,000
- Rx deductible (separate)
- $0
- Family deductible
- $2,000
- Ind. OOP max
- $4,000
- Family OOP max
- $8,000
This plan sets a separate deductible for prescription drugs. The medical deductible shown does not cover prescriptions; they have their own.
Other cost-sharing reduction variants for this plan:
More Florida Blue (BlueCross BlueShield FL) plans in FL
Monthly premiums by age
Rating Area 60 — the lowest-priced of the 67 areas this plan covers. Premiums differ by area.
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $891 | $891 |
| 21 | $1,165 | $1,258 |
| 30 | $1,323 | $1,488 |
| 40 | $1,489 | $1,750 |
| 50 | $2,081 | $2,497 |
| 60 | $3,162 | $3,795 |
| 64 and over | $3,496 | $4,195 |
Live premium estimate
Benefits & cost sharing
Primary Care
| Benefit | In-network |
|---|---|
| Preventive Care/Screening/Immunization | No charge |
| Primary Care Visit to Treat an Injury or Illness | No charge |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | $35.00 |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | 10.00% Coinsurance after deductible |
| Inpatient Hospital Services (e.g., Hospital Stay) | 10.00% Coinsurance after deductible |
| Outpatient Surgery Physician/Surgical Services | No charge |
| Urgent Care Centers or Facilities | $35.00 |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | $15.00 |
| Non-Preferred Brand Drugs | 30.00% |
| Off Label Prescription Drugs | 30.00% |
| Preferred Brand Drugs | $45.00 |
| Specialty Drugs | 50.00% |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | 10.00% Coinsurance after deductible |
| Mental/Behavioral Health Outpatient Services | $15.00 |
Other
| Benefit | In-network |
|---|---|
| Routine Dental Services (Adult) | Not covered |
| Routine Eye Exam (Adult) | Not covered |
| Home Health Care Services | No charge |
| Hospice Services | No charge |
| Imaging (CT/PET Scans, MRIs) | 10.00% Coinsurance after deductible |
| Abortion for Which Public Funding is Prohibited | Not covered |
| Accidental Dental | $35.00 |
| Acupuncture | Not covered |
| Allergy Testing | $35.00 |
| Bariatric Surgery | Not covered |
| Basic Dental Care - Adult | Not covered |
| Basic Dental Care - Child | Not covered |
| Bone Marrow Transplant | 10.00% Coinsurance after deductible |
| Chemotherapy | 10.00% Coinsurance after deductible |
| Chiropractic Care | $35.00 |
| Congenital Anomaly, including Cleft Lip/Palate | 10.00% Coinsurance after deductible |
| Cosmetic Surgery | Not covered |
| Delivery and All Inpatient Services for Maternity Care | 10.00% Coinsurance after deductible |
| Dental Anesthesia | $35.00 |
| Dental Check-Up for Children | Not covered |
| Diabetes Care Management | $35.00 |
| Diabetes Education | No charge |
| Dialysis | 10.00% Coinsurance after deductible |
| Durable Medical Equipment | No charge |
| Emergency Transportation/Ambulance | 10.00% Coinsurance after deductible |
| Eye Glasses for Children | No charge |
| Habilitation Services | $35.00 |
| Hearing Aids | Not covered |
| Infertility Treatment | Not covered |
| Infusion Therapy | 10.00% Coinsurance after deductible |
| Inpatient Physician and Surgical Services | No charge |
| Laboratory Outpatient and Professional Services | No charge |
| Long-Term/Custodial Nursing Home Care | Not covered |
| Major Dental Care - Adult | Not covered |
| Major Dental Care - Child | Not covered |
| Nutrition/Formulas | 10.00% Coinsurance after deductible |
| Nutritional Counseling | $35.00 |
| Orthodontia - Adult | Not covered |
| Orthodontia - Child | Not covered |
| Osteoporosis | $35.00 |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | $35.00 |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | 10.00% Coinsurance after deductible |
| Outpatient Rehabilitation Services | $35.00 |
| Prenatal and Postnatal Care | $35.00 |
| Private-Duty Nursing | Not covered |
| Prosthetic Devices | No charge |
| Radiation | 10.00% Coinsurance after deductible |
| Reconstructive Surgery | 10.00% Coinsurance after deductible |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $35.00 |
| Rehabilitative Speech Therapy | $35.00 |
| Routine Eye Exam for Children | No charge |
| Routine Foot Care | $35.00 |
| Skilled Nursing Facility | 10.00% Coinsurance after deductible |
| Substance Abuse Disorder Inpatient Services | 10.00% Coinsurance after deductible |
| Substance Abuse Disorder Outpatient Services | $15.00 |
| Transplant | 10.00% Coinsurance after deductible |
| Treatment for Temporomandibular Joint Disorders | $35.00 |
| Weight Loss Programs | Not covered |
| Well Baby Visits and Care | No charge |
| X-rays and Diagnostic Imaging | 10.00% Coinsurance after deductible |
Service area
This plan covers 1 geographic area.
Open enrollment coming up?
Get notified when it opens — we'll remind you so you don't miss your window.