my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision
Starting at
$740
/month before subsidy
my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision is a 2026 Expanded_bronze PPO health insurance plan from Highmark Blue Cross Blue Shield West Virginia, sold on the ACA Marketplace in West Virginia under plan ID 31274WV0570001. The monthly premium starts at $740 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,800 ($7,600 for a family), and the individual out-of-pocket maximum is $9,900 ($19,800 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 31274WV0570001
- Plan year
- 2026
- State
- West Virginia
- Metal level
- Expanded_bronze
- Plan type
- PPO
- HSA-eligible
- Yes
Individual Deductible
$3,800
Family: $7,600
Out-of-Pocket Max
$9,900
Family: $19,800
Coinsurance
50%
You pay after deductible
Network Type
PPO
WVN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- 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
$8,360
your estimated cost
- Deductible
- $3,800
- Copays
- $900
- Coinsurance
- $3,600
Managing type 2 diabetes
A year of routine care
$4,780
your estimated cost
- Deductible
- $3,800
- Copays
- $900
- Coinsurance
- $60
A simple fracture
ER visit + follow-up
$2,600
your estimated cost
- Deductible
- $2,000
- Copays
- $600
- Coinsurance
- $0
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,565/month
Annual Premium
$8,880
OOP Maximum
$9,900
💡 What this means:
With a $3,800 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,900 total. Then insurance covers everything else for the year.
More plans from Highmark Blue Cross Blue Shield West Virginia in West Virginia
- my Blue Access WV Major Events PPO Catastrophic 10600 - 3 Free PCP Visitsfrom $529/mo
- my Blue Access WV PPO Bronze 9200from $682/mo
- my Blue Access WV PPO Bronze 3800from $723/mo
- my Blue Access WV PPO Standard Bronze 7500from $714/mo
- my Blue Access WV PPO Premier Silver 0from $988/mo
- my Blue Access WV PPO Premier Silver 0 + Adult Dental and Visionfrom $1005/mo
- my Blue Access WV PPO Standard Silver 6000from $911/mo
- my Blue Access WV PPO Gold 0from $918/mo
Frequently asked questions about my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision
How much does my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision cost per month?
my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision from Highmark Blue Cross Blue Shield West Virginia starts at $740 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 my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision?
The individual medical deductible is $3,800, and the family deductible is $7,600. 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 my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision?
The most you would pay in a year for covered in-network care is $9,900 for an individual and $19,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision HSA-eligible?
Yes. my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision 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 my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision use?
my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
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.