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SilverHMO

SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP

Issuer 11177

Starting at

$—

/month before subsidy

Key facts

SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP is a 2026 Silver HMO health insurance plan from Issuer 11177, sold on the ACA Marketplace in New York under plan ID 11177NY0030002. The individual medical deductible is $2,450 ($2,450 for a family), and the individual out-of-pocket maximum is $10,150 ($10,150 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.

Plan ID
11177NY0030002
Plan year
2026
State
New York
Metal level
Silver
Plan type
HMO
HSA-eligible
No

Individual Deductible

$2,450

Family: $2,450

Out-of-Pocket Max

$10,150

Family: $10,150

Coinsurance

30%

You pay after deductible

Network Type

HMO

NYN001

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care VisitSee plan details
Specialist VisitSee plan details
Urgent CareSee plan details
Emergency RoomSee plan details

Prescription Drugs

Generic DrugsSee plan details
Brand Name DrugsSee plan details
Specialty DrugsSee plan details
Is your medication or doctor covered?
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Who This Plan Is Best For

This Silver HMO 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.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$846/month

Annual Premium

$0

OOP Maximum

$10,150

💡 What this means:

With a $2,450 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.

More plans from Issuer 11177 in New York

View all Marketplace plans in New York

Frequently asked questions about SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP

What is the deductible for SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP?

The individual medical deductible is $2,450, and the family deductible is $2,450. 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 SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP?

The most you would pay in a year for covered in-network care is $10,150 for an individual and $10,150 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP HSA-eligible?

No. SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP 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 SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP use?

SilverPlus-S3, ST, INN, Pediatric Dental, Child Only, Metro-MP is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.

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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.