BlueChoice HMO Value Silver 4500 VisionPlus
Starting at
$493
/month before subsidy
BlueChoice HMO Value Silver 4500 VisionPlus is a 2026 Silver HMO health insurance plan from Issuer 28137, sold on the ACA Marketplace in Maryland under plan ID 28137MD0370019. The monthly premium starts at $493 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,500 ($4,500 for a family), and the individual out-of-pocket maximum is $8,500 ($8,500 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 28137MD0370019
- Plan year
- 2026
- State
- Maryland
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,500
Family: $4,500
Out-of-Pocket Max
$8,500
Family: $8,500
Coinsurance
30%
You pay after deductible
Network Type
HMO
MDN001
Medical Services
Prescription Drugs
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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
$1,201/month
Annual Premium
$5,916
OOP Maximum
$8,500
💡 What this means:
With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,500 total. Then insurance covers everything else for the year.
More plans from Issuer 28137 in Maryland
- BlueChoice HMO Young Adult 10600 Virtual Connect Plusfrom $189/mo
- 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 Gold 1750 Virtual Connect Plusfrom $452/mo
- BlueChoice HMO Value Gold 1000from $483/mo
Frequently asked questions about BlueChoice HMO Value Silver 4500 VisionPlus
How much does BlueChoice HMO Value Silver 4500 VisionPlus cost per month?
BlueChoice HMO Value Silver 4500 VisionPlus from Issuer 28137 starts at $493 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 Value Silver 4500 VisionPlus?
The individual medical deductible is $4,500, and the family deductible is $4,500. 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 Value Silver 4500 VisionPlus?
The most you would pay in a year for covered in-network care is $8,500 for an individual and $8,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueChoice HMO Value Silver 4500 VisionPlus HSA-eligible?
No. BlueChoice HMO Value Silver 4500 VisionPlus 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 BlueChoice HMO Value Silver 4500 VisionPlus use?
BlueChoice HMO Value Silver 4500 VisionPlus 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.