Florida health plan · 2026

BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) · 16842FL0120068

Blue Cross Blue Shield of Florida offers this marketplace health insurance plan (Plan ID 16842FL0120068) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Expanded Bronze Plan type: EPO CSR: Standard Bronze On Exchange Plan Issuer: Blue Cross Blue Shield of Florida
Telehealth Data pending HSA eligible Yes Dental Not listed Vision Child

CMS AV Calculator output: 64.96% (35.04% member share on average). Learn about AV methodology.

2026 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$313 – $2348

Before subsidies

Estimate after subsidies

Deductible

$6,500

$13000 per group

See deductible details

Max out-of-pocket

$10,000

$20000 per group

Review MOOP rules

Office visits

Primary care No Charge
Specialist $70.00
HSA Eligible

Drug tiers

Generic $30.00
Preferred brand 45.00% Coinsurance after deductible

View formulary tiers

$595 / mo before subsidies

≈ $7145 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$1873 / mo before subsidies

≈ $22471 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$2209 / mo before subsidies

≈ $26508 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$1499 / mo before subsidies

≈ $17991 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

$250.00 Copay after deductible

Durable Medical Equipment

No Charge

Advertisement

Enrollment guidance

Stay on top of 2026 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2026 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Florida). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Standard Bronze On Exchange Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

$250.00 Copay after deductible

Durable Medical Equipment

No Charge

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 16842FL0120068
Coverage year 2026
State Florida
Issuer Blue Cross Blue Shield of Florida
Formulary document Download formulary
Marketing materials View marketing kit
Variant ID 16842FL0120068-01
Available variants

Standard Off Exchange Plan · 16842FL0120068-00

Standard On Exchange Plan · 16842FL0120068-01

Open to Indians below 300% FPL · 16842FL0120068-02

Open to Indians above 300% FPL · 16842FL0120068-03

Last plan update Wed, 15 Oct 2025 00:00 GMT
Last HealthPorta import Tue, 02 Dec 2025 06:13 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in Florida 4187
PCPs in Florida 917
Telehealth support Data pending
Nationwide providers 4372
4,187 doctors statewide 917 PCPs 12 OB/GYN
Providers Florida All US states
All 4187 4372
PCP 917 954
Allergy 6 7
OB/GYN 12 12
Dentists 19 19

Drug coverage overview

5,204 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Tier Covered drugs
PREFERRED-GENERIC 1,736
NON-PREFERRED-BRAND 1,270
SPECIALTY-DRUGS 1,242
GENERIC 559
ZERO-COST-SHARE-PREVENTIVE-DRUGS 345
BRAND 51
UNKNOWN 1
Prior authorization Drugs
Required 1,364
Not Required 3,840
Step therapy Drugs
Required 124
Not Required 5,080
Quantity limits Drugs
Has Limit 2,006
No Limit 3,198

Customer highlights

What stands out for members

  • Issuer: Blue Cross Blue Shield of Florida · Plan ID 16842FL0120068 · 2026 filing.
  • Disease management programs available: Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pain Management, Pregnancy.
  • Download the latest formulary directly from the issuer here.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 16842FL0120068-01 (Standard On Exchange Plan) currently displayed.
Advertisement

Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

$70.00

Diabetes Care Management

$70.00

Diabetes Education

No Charge

Home Health Care Services

No Charge

Laboratory Outpatient and Professional Services

$65.00

Other Practitioner Office Visit (Nurse, Physician Assistant)

$70.00

Preventive Care/Screening/Immunization

No Charge

Primary Care Visit to Treat an Injury or Illness

No Charge

Rehabilitative Occupational and Rehabilitative Physical Therapy

$70.00

Rehabilitative Speech Therapy

$70.00

Specialist Visit

$70.00

Urgent Care Centers or Facilities

$70.00

X-rays and Diagnostic Imaging

$100.00 Copay after deductible

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Bone Marrow Transplant

$400.00 Copay after deductible

Chemotherapy

$350.00 Copay after deductible

Delivery and All Inpatient Services for Maternity Care

$400.00 Copay after deductible

Dialysis

50.00% Coinsurance after deductible

Durable Medical Equipment

No Charge

Emergency Room Services

$250.00 Copay after deductible

Emergency Transportation/Ambulance

50.00% Coinsurance after deductible

Hospice Services

No Charge

Inpatient Hospital Services (e.g., Hospital Stay)

$400.00 Copay per Stay after deductible

Inpatient Physician and Surgical Services

No Charge after deductible

Mental/Behavioral Health Inpatient Services

$400.00 Copay per Stay after deductible

Mental/Behavioral Health Outpatient Services

$55.00

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

$350.00 Copay after deductible

Outpatient Rehabilitation Services

$70.00

Outpatient Surgery Physician/Surgical Services

No Charge after deductible

Radiation

$350.00 Copay after deductible

Skilled Nursing Facility

50.00% Coinsurance after deductible

Substance Abuse Disorder Inpatient Services

$400.00 Copay per Stay after deductible

Substance Abuse Disorder Outpatient Services

$55.00

Transplant

$400.00 Copay after deductible

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

Coverage details pending

Hearing Aids

Coverage details pending

Major Dental Care - Child

Coverage details pending

Prenatal and Postnatal Care

$70.00

Routine Eye Exam for Children

No Charge

Well Baby Visits and Care

No Charge

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

$30.00

Non-Preferred Brand Drugs

47.00% Coinsurance after deductible

Off Label Prescription Drugs

47.00% Coinsurance after deductible

Preferred Brand Drugs

45.00% Coinsurance after deductible

Specialty Drugs

50.00% Coinsurance after deductible

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

$70.00

Basic Dental Care - Adult

Coverage details pending

Dental Anesthesia

$70.00

Dental Check-Up for Children

Coverage details pending

Infusion Therapy

$350.00 Copay after deductible

Major Dental Care - Adult

Coverage details pending

Nutritional Counseling

$70.00

Nutrition/Formulas

50.00% Coinsurance after deductible

Orthodontia - Adult

Coverage details pending

Orthodontia - Child

Coverage details pending

Prosthetic Devices

No Charge

Routine Dental Services (Adult)

Coverage details pending

Weight Loss Programs

Coverage details pending

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

Coverage details pending

Acupuncture

Coverage details pending

Allergy Testing

$70.00

Bariatric Surgery

Coverage details pending

Congenital Anomaly, including Cleft Lip/Palate

$350.00 Copay after deductible

Cosmetic Surgery

Coverage details pending

Eye Glasses for Children

No Charge

Habilitation Services

$70.00

Imaging (CT/PET Scans, MRIs)

$100.00 Copay after deductible

Infertility Treatment

Coverage details pending

Long-Term/Custodial Nursing Home Care

Coverage details pending

Osteoporosis

$70.00

Private-Duty Nursing

Coverage details pending

Reconstructive Surgery

$350.00 Copay after deductible

Routine Eye Exam (Adult)

Coverage details pending

Routine Foot Care

$70.00

Treatment for Temporomandibular Joint Disorders

$70.00

Variant attributes

BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) · Variant 16842FL0120068-01

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2026

CSR Variation Type

Standard Bronze On Exchange Plan

HIOS Product ID

16842FL012

Metal Level

Expanded Bronze

Plan ID (Standard Component ID with Variant)

16842FL0120068-01

Plan Marketing Name

BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)

Plan Variant Marketing Name

BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)

Issuer & service area

Issuer-provided metadata for this variant.

Issuer ID

16842

Issuer Marketplace Marketing Name

Florida Blue (BlueCross BlueShield FL)

Market Coverage

Individual

Multiple In Network Tiers

Yes

National Network

Yes

Network ID

FLN002

Out of Country Coverage

Yes

Out of Country Coverage Description

Covered services as outlined in the member contract.

Out of Service Area Coverage

Yes

Out of Service Area Coverage Description

Covered services as outlined in the member contract.

Service Area ID

FLS002

State Code

FL

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

AV Calculator Output Number

0.6495945721445681

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Inpatient Copayment Maximum Days

0

Medical Drug Deductibles Integrated

Yes

Medical Drug Maximum Out of Pocket Integrated

Yes

SBC Scenario, Having a Baby, Coinsurance

$0

SBC Scenario, Having a Baby, Copayment

$700

SBC Scenario, Having a Baby, Deductible

$6,500

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$900

SBC Scenario, Having Diabetes, Deductible

$3,600

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$400

SBC Scenario, Treatment of a Simple Fracture, Deductible

$1,900

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual

Not Applicable

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance

50.00%

Combined Medical and Drug EHB Deductible, In Network (Tier 2), Default Coinsurance

50.00%

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$20000 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$10000 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$10,000

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Family Per Group

$20000 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Family Per Person

$10000 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 2), Individual

$10,000

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group

$40000 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person

$20000 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual

$20,000

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

FLF015

Formulary URL

Open link

Plan Brochure

Open link

SBC Scenario, Having a Baby, Limit

$60

SBC Scenario, Having Diabetes, Limit

$0

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

3

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

No

Design Type

Not Applicable

Disease Management Programs Offered

Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pain Management, Pregnancy

EHB Percent of Total Premium

1

First Tier Utilization

0%

Import Date

10/15/2025

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

Yes

New/Existing Plan

Existing

Notice Required for Pregnancy

No

Is a Referral Required for Specialist?

No

Plan Effective Date

1/1/2026

Plan Expiration Date

12/31/2026

Plan Type

EPO

QHP/Non QHP

Both

Second Tier Utilization

100%

Source Name

HIOS

Plan ID

16842FL0120068

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group

per group not applicable

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person

per person not applicable

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual

Not Applicable

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group

$13000 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person

$6500 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual

$6,500

Combined Medical and Drug EHB Deductible, In Network (Tier 2), Family Per Group

$13000 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 2), Family Per Person

$6500 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 2), Individual

$6,500

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group

$26000 per group

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person

$13000 per person

Combined Medical and Drug EHB Deductible, Out of Network, Individual

$13,000

Unique Plan Design

No

Wellness Program Offered

No

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Florida?

BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) (16842FL0120068) is a Expanded Bronze EPO from Blue Cross Blue Shield of Florida in Florida for the 2026 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) HSA-eligible and does it include dental or vision coverage?

It is HSA-eligible, so you can pair it with a Health Savings Account to lower taxes.

Dental coverage is not listed for this plan.

Vision add-ons: Child.

Does BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)?

The issuer lists disease management resources for: Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pain Management, Pregnancy.

Is there out-of-country coverage for BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards)?

Yes, limited out-of-country coverage is available. Review the Summary of Benefits for reimbursement steps. Details: Covered services as outlined in the member contract.

Does BlueSelect Bronze 1449 (3 PCP Visits for $0 then $55 / $70 Specialist Visits / Rewards) cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Covered services as outlined in the member contract.

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
Open comparison tray

Add at least two plans to launch side-by-side comparisons.