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GoldEPO

BlueCare EPO Gold Plus

Blue Cross and Blue Shield of Kansas, Inc.

Starting at

$770

/month before subsidy

Key facts

BlueCare EPO Gold Plus is a 2026 Gold EPO health insurance plan from Blue Cross and Blue Shield of Kansas, Inc., sold on the ACA Marketplace in Kansas under plan ID 18558KS0400014. The monthly premium starts at $770 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $700 ($1,400 for a family), and the individual out-of-pocket maximum is $8,300 ($16,600 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.

Plan ID: 18558KS0400014
Plan year: 2026
State: Kansas
Metal level: Gold
Plan type: EPO
HSA-eligible: No

Individual Deductible

$700

Family: $1,400

Out-of-Pocket Max

$8,300

Family: $16,600

Coinsurance

50%

You pay after deductible

Network Type

EPO

KSN001

Cost Sharing

What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$0.00

Specialist Visit$60.00

Urgent Care$0.00

Emergency Room$300.00 Copay with deductible

Prescription Drugs

Generic Drugs$10.00

Brand Name Drugs50.00% Coinsurance after deductible

Specialty Drugs50.00% Coinsurance after deductible

CMS Quality Rating

The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.

3.0overall

Medical care
Member experience
Plan administration

What you'd typically pay

Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$6,670

your estimated cost

Deductible: $700
Copays: $10
Coinsurance: $5,900

Managing type 2 diabetes

A year of routine care

$2,320

your estimated cost

Deductible: $700
Copays: $1,100
Coinsurance: $500

A simple fracture

ER visit + follow-up

$1,900

your estimated cost

Deductible: $700
Copays: $500
Coinsurance: $700

Is your medication or doctor covered?

Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.

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Official Plan Documents

Published by Blue Cross and Blue Shield of Kansas, Inc.. These are the authoritative source for coverage details.

Summary of Benefits & Coverage (SBC)Standardized cost & coverage summary Plan BrochureFull plan details from the insurer Drug FormularyCovered prescriptions & drug tiers

Who This Plan Is Best For

This Gold EPO 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.

Worst-Case Monthly Cost

What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,462/month

Annual Premium

$9,240

OOP Maximum

$8,300

💡 What this means:

With a $700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (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

View all Marketplace plans in Kansas

Frequently asked questions about BlueCare EPO Gold Plus

How much does BlueCare EPO Gold Plus cost per month?

BlueCare EPO Gold Plus from Blue Cross and Blue Shield of Kansas, Inc. starts at $770 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 Gold Plus?

The individual medical deductible is $700, and the family deductible is $1,400. 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 Gold Plus?

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 Gold Plus HSA-eligible?

No. BlueCare EPO Gold Plus 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 BlueCare EPO Gold Plus use?

BlueCare EPO Gold Plus 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

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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.