Blue Choice Preferred Gold PPO Standard - Rx Copays
Starting at
$863
/month before subsidy
Blue Choice Preferred Gold PPO Standard - Rx Copays is a 2026 Gold PPO health insurance plan from Issuer 36096, sold on the ACA Marketplace in Illinois under plan ID 36096IL0990290. The monthly premium starts at $863 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,000 ($2,000 for a family), and the individual out-of-pocket maximum is $8,200 ($8,200 for a family). After the deductible, coinsurance is 25% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 36096IL0990290
- Plan year
- 2026
- State
- Illinois
- Metal level
- Gold
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$2,000
Family: $2,000
Out-of-Pocket Max
$8,200
Family: $8,200
Coinsurance
25%
You pay after deductible
Network Type
PPO
ILN009
Medical Services
Prescription Drugs
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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.
If you max out this year
$1,546/month
Annual Premium
$10,356
OOP Maximum
$8,200
💡 What this means:
With a $2,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 25% (coinsurance) until you hit $8,200 total. Then insurance covers everything else for the year.
More plans from Issuer 36096 in Illinois
- Blue Choice Preferred Security PPO 200from $687/mo
- Blue Choice Preferred Security PPO 200from $640/mo
- Blue Choice Preferred Security PPO 200from $620/mo
- Blue Choice Preferred Security PPO 200from $603/mo
- Blue Choice Preferred Security PPO 200from $680/mo
- Blue Choice Preferred Security PPO 200from $656/mo
- Blue Choice Preferred Security PPO 200from $657/mo
- Blue Choice Preferred Security PPO 200from $689/mo
Frequently asked questions about Blue Choice Preferred Gold PPO Standard - Rx Copays
How much does Blue Choice Preferred Gold PPO Standard - Rx Copays cost per month?
Blue Choice Preferred Gold PPO Standard - Rx Copays from Issuer 36096 starts at $863 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 Blue Choice Preferred Gold PPO Standard - Rx Copays?
The individual medical deductible is $2,000, and the family deductible is $2,000. 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 Blue Choice Preferred Gold PPO Standard - Rx Copays?
The most you would pay in a year for covered in-network care is $8,200 for an individual and $8,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Choice Preferred Gold PPO Standard - Rx Copays HSA-eligible?
No. Blue Choice Preferred Gold PPO Standard - Rx Copays 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 Blue Choice Preferred Gold PPO Standard - Rx Copays use?
Blue Choice Preferred Gold PPO Standard - Rx Copays 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.