Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures
Starting at
$659
/month before subsidy
Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures is a 2027 Gold HMO health insurance plan from Harbor Health, sold on the ACA Marketplace in Texas under plan ID 37758TX0010057. The monthly premium starts at $659 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 $9,950 ($19,900 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 37758TX0010057
- Plan year
- 2027
- State
- Texas
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$9,950
Family: $19,900
Coinsurance
50%
You pay after deductible
Network Type
HMO
TXN001
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$4,570
your estimated cost
- Deductible
- $0
- Copays
- $10
- Coinsurance
- $4,500
Managing type 2 diabetes
A year of routine care
$1,000
your estimated cost
- Deductible
- $0
- Copays
- $900
- Coinsurance
- $100
A simple fracture
ER visit + follow-up
$1,410
your estimated cost
- Deductible
- $0
- Copays
- $10
- Coinsurance
- $1,400
Enter your ZIP code first to search nearby doctors.
This Gold HMO 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
$1,488/month
Annual Premium
$7,908
OOP Maximum
$9,950
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,950 total. Then insurance covers everything else for the year.
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- Silver 1E $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab, $0 Imagingfrom $766/mo
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Frequently asked questions about Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures
How much does Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures cost per month?
Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures from Harbor Health starts at $659 per month before any subsidy in Texas. 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 Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures?
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 Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures?
The most you would pay in a year for covered in-network care is $9,950 for an individual and $19,900 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures HSA-eligible?
No. Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures 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 Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures use?
Gold 1S $0 Deductible $0 PCP $0 Specialty Visit with PCP Referral + PCP Referral may unlock $0 Lab $0 Imaging & $0 Outpatient Procedures 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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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.