BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) — Florida Blue (BlueCross BlueShield FL)
BlueSelect Gold 1835 ($40 PCP Visits / $75 Specialist Visits / $15 Labs / Rewards) (HIOS plan ID 16842FL0120086) is a 2026 Gold ACA marketplace plan from Florida Blue (BlueCross BlueShield FL) offered in Palm Beach County, Florida, with a monthly premium of $1,065.86 at age 40, an individual deductible of $1,500, and an out-of-pocket maximum of $6,450.
Monthly premium by age
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $834.01 | $874.04 | $946.60 | $1,065.86 | $1,489.54 | $2,263.50 |
Premiums shown are for a single non-tobacco enrollee before any premium tax credit. Actual price on HealthCare.gov depends on your household income and any subsidy you qualify for.
Family premium scenarios
| Scenario | Monthly premium |
|---|---|
| couple_21 | $1,668.02 |
| couple_30 | $1,893.20 |
| couple_40 | $2,131.72 |
| couple_50 | $2,979.08 |
| couple_60 | $4,527.00 |
| couple_plus_1_child_40 | $2,769.74 |
| couple_plus_2_children_40 | $3,407.76 |
| individual_plus_1_child_40 | $1,703.88 |
| individual_plus_2_children_40 | $2,341.90 |
Metal level, deductible, and out-of-pocket maximum
- Metal level: Gold
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket maximum: $6,450
- Family out-of-pocket maximum: $12,900
Copays and drug tiers
| Service | Cost share |
|---|---|
| specialist | $75 |
| primary_care | No Charge |
| generic_drugs | $20 |
| emergency_room | $500 |
How this plan compares to the county benchmark
At age 40, this plan is $389.48 more per month than the county's benchmark (second-lowest-cost silver) plan of $676.38 per month, which HealthCare.gov uses to size the premium tax credit.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025. For plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker).
HIOS plan ID anatomy
The HIOS plan ID 16842FL0120086 is a federally assigned identifier. Its structure: the first five digits (16842) are the issuer ID, the next two letters (FL) are the state, the next block (0120) is the product ID, and the final digits (086) identify the specific plan variant. See CMS Plan ID guidance.
Common questions
Where do these numbers come from?
Every premium, deductible, and out-of-pocket figure on this page is taken verbatim from the CMS PY2026 QHP Landscape, Individual Market Medical public-use file, released May 2026.
Can I enroll in this plan here?
No. Enrollment happens on HealthCare.gov, not on this site. This page is educational — it summarizes what's in the federal landscape file.
Will my actual price match what's shown?
Not necessarily. The premiums shown are before any premium tax credit and before tobacco rating. Your HealthCare.gov quote reflects your household size, income, and location within the county.
Is this plan the benchmark for subsidies?
The benchmark used by HealthCare.gov to calculate the premium tax credit is the second-lowest-cost Silver plan in the county at age 40 — $676.38 per month in Palm Beach County. This specific plan may or may not be that benchmark.
Comparable plans in Palm Beach County
| Issuer | Plan | Metal | Age 40 premium | Deductible |
|---|---|---|---|---|
| Oscar Health Maintenance Organization of Florida | Gold Simple | Gold | $616.82 | $3,000 |
| Oscar Health Maintenance Organization of Florida | Gold Classic Standard | Gold | $647.96 | $2,000 |
| Cigna HealthCare of Florida, Inc. | Partnered Care Premier Gold | Gold | $670.72 | $1,850 |
| Cigna Healthcare | Connect Gold Mid-South 2250 Indiv Med Deductible | Gold | $673.67 | $2,250 |
| Cigna HealthCare of Florida, Inc. | Partnered Care Gold CMS Standard | Gold | $687.97 | $2,000 |
See the full plan list on the Palm Beach County plans page.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where this plan is sold.