Peak Silver 6400
Starting at
$1016
/month before subsidy
Peak Silver 6400 is a 2027 Silver EPO health insurance plan from Peak Health Insurance, sold on the ACA Marketplace in West Virginia under plan ID 30882WV0010002. The monthly premium starts at $1,016 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $6,400 ($12,800 for a family), and the individual out-of-pocket maximum is $10,300 ($20,600 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 30882WV0010002
- Plan year
- 2027
- State
- West Virginia
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$6,400
Family: $12,800
Out-of-Pocket Max
$10,300
Family: $20,600
Coinsurance
40%
You pay after deductible
Network Type
EPO
WVN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$8,970
your estimated cost
- Deductible
- $6,400
- Copays
- $10
- Coinsurance
- $2,500
Managing type 2 diabetes
A year of routine care
$1,820
your estimated cost
- Deductible
- $900
- Copays
- $900
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,500
your estimated cost
- Deductible
- $2,100
- Copays
- $400
- Coinsurance
- $0
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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
$1,874/month
Annual Premium
$12,192
OOP Maximum
$10,300
💡 What this means:
With a $6,400 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $10,300 total. Then insurance covers everything else for the year.
More plans from Peak Health Insurance in West Virginia
Frequently asked questions about Peak Silver 6400
How much does Peak Silver 6400 cost per month?
Peak Silver 6400 from Peak Health Insurance starts at $1,016 per month before any subsidy in West Virginia. 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 Peak Silver 6400?
The individual medical deductible is $6,400, and the family deductible is $12,800. 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 Peak Silver 6400?
The most you would pay in a year for covered in-network care is $10,300 for an individual and $20,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Peak Silver 6400 HSA-eligible?
No. Peak Silver 6400 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 Peak Silver 6400 use?
Peak Silver 6400 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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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.