Molina Core Silver
Starting at
$505
/month before subsidy
Molina Core Silver is a 2026 Silver HMO health insurance plan from Issuer 32355, sold on the ACA Marketplace in Illinois under plan ID 32355IL0010002. The monthly premium starts at $505 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $6,000 ($6,000 for a family), and the individual out-of-pocket maximum is $8,990 ($8,990 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 32355IL0010002
- Plan year
- 2026
- State
- Illinois
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$6,000
Family: $6,000
Out-of-Pocket Max
$8,990
Family: $8,990
Coinsurance
40%
You pay after deductible
Network Type
HMO
ILN001
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
$1,254/month
Annual Premium
$6,060
OOP Maximum
$8,990
💡 What this means:
With a $6,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,990 total. Then insurance covers everything else for the year.
More plans from Issuer 32355 in Illinois
- Molina Silver Core Plus with Adult Visionfrom $509/mo
- Molina Silver Core Plus with Rx Copay and Adult Dental and Visionfrom $525/mo
- Molina Silver Saver with Four Free PCP Visitsfrom $497/mo
- Molina Core Gold 1640from $444/mo
- Molina Gold Core 1640 Plus with Adult Visionfrom $447/mo
- Molina Gold Core 1640 Plus with Rx Copay and Adult Dental and Visionfrom $499/mo
Frequently asked questions about Molina Core Silver
How much does Molina Core Silver cost per month?
Molina Core Silver from Issuer 32355 starts at $505 per month before any subsidy in Illinois. 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 Molina Core Silver?
The individual medical deductible is $6,000, and the family deductible is $6,000. 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 Molina Core Silver?
The most you would pay in a year for covered in-network care is $8,990 for an individual and $8,990 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Molina Core Silver HSA-eligible?
No. Molina Core Silver 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 Molina Core Silver use?
Molina Core Silver 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.