Core Silver 4500
Starting at
$590
/month before subsidy
Core Silver 4500 is a 2026 Silver EPO health insurance plan from PacificSource Health Plans, sold on the ACA Marketplace in Oregon under plan ID 10091OR0770004. The monthly premium starts at $590 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,500 ($9,000 for a family), and the individual out-of-pocket maximum is $9,750 ($19,500 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 10091OR0770004
- Plan year
- 2026
- State
- Oregon
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$4,500
Family: $9,000
Out-of-Pocket Max
$9,750
Family: $19,500
Coinsurance
30%
You pay after deductible
Network Type
EPO
ORN004
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$6,960
your estimated cost
- Deductible
- $4,500
- Copays
- $0
- Coinsurance
- $2,400
Managing type 2 diabetes
A year of routine care
$2,020
your estimated cost
- Deductible
- $1,300
- Copays
- $700
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,700
your estimated cost
- Deductible
- $2,500
- Copays
- $200
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver EPO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,403/month
Annual Premium
$7,080
OOP Maximum
$9,750
💡 What this means:
With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $9,750 total. Then insurance covers everything else for the year.
More plans from PacificSource Health Plans in Oregon
- Core Bronze HSA 7500from $489/mo
- Core Bronze HSA 8300from $478/mo
- PacificSource Oregon Standard Bronze HSA Plan Corefrom $515/mo
- Core Silver 7500from $556/mo
- PacificSource Oregon Standard Silver Plan Corefrom $593/mo
- Core Gold 1500from $703/mo
- Core Gold 3000from $640/mo
- PacificSource Oregon Standard Gold Plan Corefrom $707/mo
Frequently asked questions about Core Silver 4500
How much does Core Silver 4500 cost per month?
Core Silver 4500 from PacificSource Health Plans starts at $590 per month before any subsidy in Oregon. 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 Core Silver 4500?
The individual medical deductible is $4,500, and the family deductible is $9,000. 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 Core Silver 4500?
The most you would pay in a year for covered in-network care is $9,750 for an individual and $19,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Core Silver 4500 HSA-eligible?
No. Core Silver 4500 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 Core Silver 4500 use?
Core Silver 4500 is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
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.