Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Starting at
$447
/month before subsidy
Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) is a 2026 Silver HMO health insurance plan from Anthem Blue Cross and Blue Shield, sold on the ACA Marketplace in Indiana under plan ID 17575IN0990002. The monthly premium starts at $447 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 $8,800 ($17,600 for a family). After the deductible, coinsurance is 35% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 17575IN0990002
- Plan year
- 2026
- State
- Indiana
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,500
Family: $9,000
Out-of-Pocket Max
$8,800
Family: $17,600
Coinsurance
35%
You pay after deductible
Network Type
HMO
INN010
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
$8,470
your estimated cost
- Deductible
- $4,500
- Copays
- $10
- Coinsurance
- $3,900
Managing type 2 diabetes
A year of routine care
$1,620
your estimated cost
- Deductible
- $100
- Copays
- $1,500
- 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 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
$1,180/month
Annual Premium
$5,364
OOP Maximum
$8,800
💡 What this means:
With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 35% (coinsurance) until you hit $8,800 total. Then insurance covers everything else for the year.
More plans from Anthem Blue Cross and Blue Shield in Indiana
- Anthem Catastrophic Essential (+ Incentives)from $373/mo
- Anthem Bronze Essential 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives)from $376/mo
- Anthem Bronze Essential 10150 Adult Dental/Vision ($0 Virtual PCP + $0 Select Drugs + Incentives)from $384/mo
- Anthem Bronze Essential 6500 HSA (+ Incentives)from $413/mo
- Anthem Bronze Essential 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)from $401/mo
- Anthem Bronze Essential POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)from $391/mo
- Anthem Bronze Essential POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)from $401/mo
- Anthem Heart Healthy Bronze Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)from $398/mo
Frequently asked questions about Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)
How much does Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) cost per month?
Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) from Anthem Blue Cross and Blue Shield starts at $447 per month before any subsidy in Indiana. 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 Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)?
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 Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)?
The most you would pay in a year for covered in-network care is $8,800 for an individual and $17,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) HSA-eligible?
No. Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) 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 Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) use?
Anthem Heart Healthy Silver Essential 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives) 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.