my Blue Access WV PPO Premier Silver 0
Starting at
$988
/month before subsidy
my Blue Access WV PPO Premier Silver 0 is a 2026 Silver PPO health insurance plan from Highmark Blue Cross Blue Shield West Virginia, sold on the ACA Marketplace in West Virginia under plan ID 31274WV0590003. The monthly premium starts at $988 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $9,700 ($19,400 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 31274WV0590003
- Plan year
- 2026
- State
- West Virginia
- Metal level
- Silver
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$9,700
Family: $19,400
Coinsurance
30%
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
$3,460
your estimated cost
- Deductible
- $0
- Copays
- $3,400
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$1,320
your estimated cost
- Deductible
- $0
- Copays
- $1,100
- Coinsurance
- $200
A simple fracture
ER visit + follow-up
$1,100
your estimated cost
- Deductible
- $0
- Copays
- $700
- Coinsurance
- $400
Enter your ZIP code first to search nearby doctors.
This Silver PPO 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
$1,796/month
Annual Premium
$11,856
OOP Maximum
$9,700
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $9,700 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 Bronze 3800 + Adult Dental and Visionfrom $740/mo
- my Blue Access WV PPO Standard Bronze 7500from $714/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 Premier Silver 0
How much does my Blue Access WV PPO Premier Silver 0 cost per month?
my Blue Access WV PPO Premier Silver 0 from Highmark Blue Cross Blue Shield West Virginia starts at $988 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 Premier Silver 0?
The individual medical deductible is $0. 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 Premier Silver 0?
The most you would pay in a year for covered in-network care is $9,700 for an individual and $19,400 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 Premier Silver 0 HSA-eligible?
No. my Blue Access WV PPO Premier Silver 0 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 my Blue Access WV PPO Premier Silver 0 use?
my Blue Access WV PPO Premier Silver 0 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.