VantageBlue Direct Plan 950/1900 WPDAcu Modified
Starting at
$879
/month before subsidy
VantageBlue Direct Plan 950/1900 WPDAcu Modified is a 2026 Platinum PPO health insurance plan from Issuer 15287, sold on the ACA Marketplace in Rhode Island under plan ID 15287RI0680002. The monthly premium starts at $879 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $950 ($950 for a family), and the individual out-of-pocket maximum is $2,500 ($2,500 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 15287RI0680002
- Plan year
- 2026
- State
- Rhode Island
- Metal level
- Platinum
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$950
Family: $950
Out-of-Pocket Max
$2,500
Family: $2,500
Coinsurance
0%
You pay after deductible
Network Type
PPO
RIN001
Medical Services
Prescription Drugs
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This Platinum PPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,087/month
Annual Premium
$10,548
OOP Maximum
$2,500
💡 What this means:
With a $950 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $2,500 total. Then insurance covers everything else for the year.
More plans from Issuer 15287 in Rhode Island
- BlueCHiP Direct 7000/14000 WPDfrom $504/mo
- BlueSolutions for HSA Direct 6300/12600 WPD from $474/mo
- BlueSolutions for HSA Direct 6300/12600 WPDABfrom $474/mo
- BlueCHiP Direct 5000/10000 WPDfrom $642/mo
- BlueCHiP Direct Advance 4950/9900 WPDfrom $552/mo
- BlueSolutions for HSA Direct 4100/8200 WPD from $638/mo
- VantageBlue Direct Plan 6000/12000 WPDfrom $704/mo
- BasicBlue Direct 2500/5000 WPDAcufrom $732/mo
Frequently asked questions about VantageBlue Direct Plan 950/1900 WPDAcu Modified
How much does VantageBlue Direct Plan 950/1900 WPDAcu Modified cost per month?
VantageBlue Direct Plan 950/1900 WPDAcu Modified from Issuer 15287 starts at $879 per month before any subsidy in Rhode Island. 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 VantageBlue Direct Plan 950/1900 WPDAcu Modified?
The individual medical deductible is $950, and the family deductible is $950. 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 VantageBlue Direct Plan 950/1900 WPDAcu Modified?
The most you would pay in a year for covered in-network care is $2,500 for an individual and $2,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is VantageBlue Direct Plan 950/1900 WPDAcu Modified HSA-eligible?
No. VantageBlue Direct Plan 950/1900 WPDAcu Modified 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 VantageBlue Direct Plan 950/1900 WPDAcu Modified use?
VantageBlue Direct Plan 950/1900 WPDAcu Modified is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
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.