BlueChoice HMO Young Adult 10600 Virtual Connect Plus
Starting at
$189
/month before subsidy
BlueChoice HMO Young Adult 10600 Virtual Connect Plus is a 2026 Catastrophic HMO health insurance plan from Issuer 28137, sold on the ACA Marketplace in Maryland under plan ID 28137MD0370004. The monthly premium starts at $189 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($10,600 for a family), and the individual out-of-pocket maximum is $10,600 ($10,600 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 28137MD0370004
- Plan year
- 2026
- State
- Maryland
- Metal level
- Catastrophic
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$10,600
Family: $10,600
Out-of-Pocket Max
$10,600
Family: $10,600
Coinsurance
0%
You pay after deductible
Network Type
HMO
MDN001
Medical Services
Prescription Drugs
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This Catastrophic HMO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.
Consider this plan if you:
- Rarely visit the doctor beyond annual checkups
- Have savings to cover the $10,600 deductible if needed
- Primarily need coverage for unexpected emergencies
- Want to minimize monthly healthcare expenses
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,072/month
Annual Premium
$2,268
OOP Maximum
$10,600
💡 What this means:
With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from Issuer 28137 in Maryland
- BlueChoice HMO Bronze 6100 Virtual Connect Plusfrom $339/mo
- BlueChoice HMO HSA Bronze 6150 Virtual Connect Plusfrom $346/mo
- BlueChoice HMO Value Bronze 10150from $351/mo
- BlueChoice HMO HSA Silver 3400 VisionPlus Virtual Connect Plusfrom $490/mo
- BlueChoice HMO Referral Silver 2500 VisionPlus Virtual Connect Plusfrom $446/mo
- BlueChoice HMO Value Silver 4500 VisionPlusfrom $493/mo
- BlueChoice HMO Gold 1750 Virtual Connect Plusfrom $452/mo
- BlueChoice HMO Value Gold 1000from $483/mo
Frequently asked questions about BlueChoice HMO Young Adult 10600 Virtual Connect Plus
How much does BlueChoice HMO Young Adult 10600 Virtual Connect Plus cost per month?
BlueChoice HMO Young Adult 10600 Virtual Connect Plus from Issuer 28137 starts at $189 per month before any subsidy in Maryland. 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 BlueChoice HMO Young Adult 10600 Virtual Connect Plus?
The individual medical deductible is $10,600, and the family deductible is $10,600. 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 BlueChoice HMO Young Adult 10600 Virtual Connect Plus?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $10,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueChoice HMO Young Adult 10600 Virtual Connect Plus HSA-eligible?
Yes. BlueChoice HMO Young Adult 10600 Virtual Connect Plus 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 BlueChoice HMO Young Adult 10600 Virtual Connect Plus use?
BlueChoice HMO Young Adult 10600 Virtual Connect Plus 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.