Silver Simple PCP Saver
Starting at
$491
/month before subsidy
Silver Simple PCP Saver is a 2026 Silver HMO health insurance plan from Oscar Health Plan, Inc., sold on the ACA Marketplace in Arizona under plan ID 13877AZ0070025. The monthly premium starts at $491 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $5,750 ($11,500 for a family), and the individual out-of-pocket maximum is $9,400 ($18,800 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 13877AZ0070025
- Plan year
- 2026
- State
- Arizona
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$5,750
Family: $11,500
Out-of-Pocket Max
$9,400
Family: $18,800
Coinsurance
40%
You pay after deductible
Network Type
HMO
AZN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$7,950
your estimated cost
- Deductible
- $5,750
- Copays
- $0
- Coinsurance
- $2,200
Managing type 2 diabetes
A year of routine care
$2,400
your estimated cost
- Deductible
- $100
- Copays
- $2,300
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,700
your estimated cost
- Deductible
- $2,600
- Copays
- $100
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
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.
If you max out this year
$1,274/month
Annual Premium
$5,892
OOP Maximum
$9,400
💡 What this means:
With a $5,750 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $9,400 total. Then insurance covers everything else for the year.
More plans from Oscar Health Plan, Inc. in Arizona
- Bronze Classic Standardfrom $406/mo
- Bronze Elite + PCP Saver Plusfrom $435/mo
- Bronze Simplefrom $387/mo
- Bronze Simple Breathe Easy with Enhanced COPD Benefitsfrom $414/mo
- Bronze Simple Chronic Care CKMfrom $421/mo
- Buena Salud Bronce Simple Para Diabetesfrom $413/mo
- Silver Classic Standardfrom $491/mo
- Silver Elite Saver Plusfrom $531/mo
Frequently asked questions about Silver Simple PCP Saver
How much does Silver Simple PCP Saver cost per month?
Silver Simple PCP Saver from Oscar Health Plan, Inc. starts at $491 per month before any subsidy in Arizona. 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 Silver Simple PCP Saver?
The individual medical deductible is $5,750, and the family deductible is $11,500. 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 Silver Simple PCP Saver?
The most you would pay in a year for covered in-network care is $9,400 for an individual and $18,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Silver Simple PCP Saver HSA-eligible?
No. Silver Simple PCP Saver 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 Silver Simple PCP Saver use?
Silver Simple PCP Saver 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.
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.