BlueCHiP Direct Advance 2300/4600 WPD
Starting at
$586
/month before subsidy
BlueCHiP Direct Advance 2300/4600 WPD is a 2026 Gold POS health insurance plan from Issuer 15287, sold on the ACA Marketplace in Rhode Island under plan ID 15287RI1130002. The monthly premium starts at $586 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,300 ($2,300 for a family), and the individual out-of-pocket maximum is $4,900 ($4,900 for a family). After the deductible, coinsurance is 10% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 15287RI1130002
- Plan year
- 2026
- State
- Rhode Island
- Metal level
- Gold
- Plan type
- POS
- HSA-eligible
- No
Individual Deductible
$2,300
Family: $2,300
Out-of-Pocket Max
$4,900
Family: $4,900
Coinsurance
10%
You pay after deductible
Network Type
POS
RIN007
Medical Services
Prescription Drugs
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This Gold POS 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
$994/month
Annual Premium
$7,032
OOP Maximum
$4,900
💡 What this means:
With a $2,300 deductible, you pay 100% of costs until you've spent that much. After that, you pay 10% (coinsurance) until you hit $4,900 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 BlueCHiP Direct Advance 2300/4600 WPD
How much does BlueCHiP Direct Advance 2300/4600 WPD cost per month?
BlueCHiP Direct Advance 2300/4600 WPD from Issuer 15287 starts at $586 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 BlueCHiP Direct Advance 2300/4600 WPD?
The individual medical deductible is $2,300, and the family deductible is $2,300. 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 BlueCHiP Direct Advance 2300/4600 WPD?
The most you would pay in a year for covered in-network care is $4,900 for an individual and $4,900 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueCHiP Direct Advance 2300/4600 WPD HSA-eligible?
No. BlueCHiP Direct Advance 2300/4600 WPD 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 BlueCHiP Direct Advance 2300/4600 WPD use?
BlueCHiP Direct Advance 2300/4600 WPD is a POS plan. POS plans blend HMO and PPO features: you pick a primary care provider and can go out of network at a higher cost.
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.