BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List)
Starting at
$731
/month before subsidy
BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) is a 2026 Silver PPO health insurance plan from Blue Cross Blue Shield of North Dakota, sold on the ACA Marketplace in North Dakota under plan ID 37160ND2410014. The monthly premium starts at $731 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,500 ($7,000 for a family), and the individual out-of-pocket maximum is $7,500 ($15,000 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
- 37160ND2410014
- Plan year
- 2026
- State
- North Dakota
- Metal level
- Silver
- Plan type
- PPO
- HSA-eligible
- Yes
Individual Deductible
$3,500
Family: $7,000
Out-of-Pocket Max
$7,500
Family: $15,000
Coinsurance
20%
You pay after deductible
Network Type
PPO
NDN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- 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
$5,340
your estimated cost
- Deductible
- $3,500
- Copays
- $20
- Coinsurance
- $1,800
Managing type 2 diabetes
A year of routine care
$1,400
your estimated cost
- Deductible
- $1,100
- Copays
- $300
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
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
$1,356/month
Annual Premium
$8,772
OOP Maximum
$7,500
💡 What this means:
With a $3,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $7,500 total. Then insurance covers everything else for the year.
More plans from Blue Cross Blue Shield of North Dakota in North Dakota
- BlueEssential Catastrophic 100 HSA Eligible $10600 Deductiblefrom $374/mo
- BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List)from $434/mo
- BlueDirect Bronze 100 HSA Eligible ($8000 Deductible / $5 Preventive Drug List)from $461/mo
- BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan)from $450/mo
- BlueCare Silver $20 PCP Copay ($5 Value Based Drug List)from $710/mo
- BlueValue Silver $40 PCP Copay (Standardized plan)from $688/mo
- DakotaBlue Altru Silver ($5 Value Based Drug List)from $604/mo
- DakotaBlue Trinity Silver ($5 Value Based Drug List)from $604/mo
Frequently asked questions about BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List)
How much does BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) cost per month?
BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) from Blue Cross Blue Shield of North Dakota starts at $731 per month before any subsidy in North Dakota. 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 BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List)?
The individual medical deductible is $3,500, and the family deductible is $7,000. 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 BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List)?
The most you would pay in a year for covered in-network care is $7,500 for an individual and $15,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) HSA-eligible?
Yes. BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) 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 BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) use?
BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) 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.