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my Blue Access WV PPO Gold 1700 HSA

Highmark Blue Cross Blue Shield West Virginia

Starting at

$885

/month before subsidy

Key facts

my Blue Access WV PPO Gold 1700 HSA is a 2026 Gold PPO health insurance plan from Highmark Blue Cross Blue Shield West Virginia, sold on the ACA Marketplace in West Virginia under plan ID 31274WV0580002. The monthly premium starts at $885 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,700 ($3,400 for a family), and the individual out-of-pocket maximum is $7,100 ($14,200 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
31274WV0580002
Plan year
2026
State
West Virginia
Metal level
Gold
Plan type
PPO
HSA-eligible
Yes

Individual Deductible

$1,700

Family: $3,400

Out-of-Pocket Max

$7,100

Family: $14,200

Coinsurance

20%

You pay after deductible

Network Type

PPO

WVN001

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

Medical Services

Primary Care Visit$15.00 Copay after deductible
Specialist Visit$15.00 Copay after deductible
Urgent Care$30.00 Copay after deductible
Emergency Room$250.00 Copay after deductible

Prescription Drugs

Generic DrugsNo Charge after deductible
Brand Name Drugs$150.00 Copay 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

How well doctors manage and coordinate care

Member experience
Not rated

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

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

$2,460

your estimated cost

Deductible
$1,700
Copays
$700
Coinsurance
$0

Managing type 2 diabetes

A year of routine care

$2,220

your estimated cost

Deductible
$1,700
Copays
$400
Coinsurance
$100

A simple fracture

ER visit + follow-up

$1,860

your estimated cost

Deductible
$1,700
Copays
$100
Coinsurance
$60
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 Highmark Blue Cross Blue Shield West Virginia. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

This Gold PPO 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

$1,477/month

Annual Premium

$10,620

OOP Maximum

$7,100

💡 What this means:

With a $1,700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $7,100 total. Then insurance covers everything else for the year.

More plans from Highmark Blue Cross Blue Shield West Virginia in West Virginia

View all Marketplace plans in West Virginia

Frequently asked questions about my Blue Access WV PPO Gold 1700 HSA

How much does my Blue Access WV PPO Gold 1700 HSA cost per month?

my Blue Access WV PPO Gold 1700 HSA from Highmark Blue Cross Blue Shield West Virginia starts at $885 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 Gold 1700 HSA?

The individual medical deductible is $1,700, and the family deductible is $3,400. 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 my Blue Access WV PPO Gold 1700 HSA?

The most you would pay in a year for covered in-network care is $7,100 for an individual and $14,200 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 Gold 1700 HSA HSA-eligible?

Yes. my Blue Access WV PPO Gold 1700 HSA 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 Gold 1700 HSA use?

my Blue Access WV PPO Gold 1700 HSA 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

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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.