BlueCare EPO Simple Silver HDHP
Starting at
$811
/month before subsidy
BlueCare EPO Simple Silver HDHP is a 2026 Silver EPO health insurance plan from Blue Cross and Blue Shield of Kansas, Inc., sold on the ACA Marketplace in Kansas under plan ID 18558KS0400008. The monthly premium starts at $811 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,400 ($6,800 for a family), and the individual out-of-pocket maximum is $8,300 ($16,600 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 18558KS0400008
- Plan year
- 2026
- State
- Kansas
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$3,400
Family: $6,800
Out-of-Pocket Max
$8,300
Family: $16,600
Coinsurance
20%
You pay after deductible
Network Type
EPO
KSN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- 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
$5,260
your estimated cost
- Deductible
- $3,400
- Copays
- $0
- Coinsurance
- $1,800
Managing type 2 diabetes
A year of routine care
$2,620
your estimated cost
- Deductible
- $1,900
- Copays
- $0
- Coinsurance
- $700
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver EPO 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
$1,503/month
Annual Premium
$9,732
OOP Maximum
$8,300
💡 What this means:
With a $3,400 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $8,300 total. Then insurance covers everything else for the year.
More plans from Blue Cross and Blue Shield of Kansas, Inc. in Kansas
- BlueCare EPO Bronzefrom $664/mo
- BlueCare EPO Simple Bronze HDHPfrom $684/mo
- BlueCare EPO Standardized Expanded Bronzefrom $669/mo
- BlueCare EPO Silver Plusfrom $825/mo
- BlueCare EPO Standardized Silverfrom $842/mo
- BlueCare EPO Goldfrom $794/mo
- BlueCare EPO Gold Plusfrom $770/mo
- BlueCare EPO Standardized Goldfrom $796/mo
Frequently asked questions about BlueCare EPO Simple Silver HDHP
How much does BlueCare EPO Simple Silver HDHP cost per month?
BlueCare EPO Simple Silver HDHP from Blue Cross and Blue Shield of Kansas, Inc. starts at $811 per month before any subsidy in Kansas. 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 BlueCare EPO Simple Silver HDHP?
The individual medical deductible is $3,400, and the family deductible is $6,800. 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 BlueCare EPO Simple Silver HDHP?
The most you would pay in a year for covered in-network care is $8,300 for an individual and $16,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueCare EPO Simple Silver HDHP HSA-eligible?
Yes. BlueCare EPO Simple Silver HDHP is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does BlueCare EPO Simple Silver HDHP use?
BlueCare EPO Simple Silver HDHP is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
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.