Dean Gold HSA
Starting at
$644
/month before subsidy
Dean Gold HSA is a 2026 Gold HMO health insurance plan from Dean Health Plan, sold on the ACA Marketplace in Wisconsin under plan ID 38345WI0010158. The monthly premium starts at $644 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,400 ($6,800 for a family), and the individual out-of-pocket maximum is $4,400 ($8,800 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
- 38345WI0010158
- Plan year
- 2026
- State
- Wisconsin
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$3,400
Family: $6,800
Out-of-Pocket Max
$4,400
Family: $8,800
Coinsurance
20%
You pay after deductible
Network Type
HMO
WIN001
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
$4,460
your estimated cost
- Deductible
- $3,400
- Copays
- $0
- Coinsurance
- $1,000
Managing type 2 diabetes
A year of routine care
$2,800
your estimated cost
- Deductible
- $2,300
- Copays
- $500
- 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 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
$1,011/month
Annual Premium
$7,728
OOP Maximum
$4,400
💡 What this means:
With a $3,400 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $4,400 total. Then insurance covers everything else for the year.
More plans from Dean Health Plan in Wisconsin
- Dean Bronze $0 Copay PCP Visitsfrom $417/mo
- Dean Bronze Sharefrom $379/mo
- Dean Expanded Bronze Standardfrom $446/mo
- Dean Focus Bronze $0 Copay PCP Visitsfrom $388/mo
- Dean Focus Bronze Sharefrom $353/mo
- Dean Focus Expanded Bronze Standardfrom $415/mo
- Prevea360 Bronze HSAfrom $496/mo
- Prevea360 Bronze Sharefrom $406/mo
Frequently asked questions about Dean Gold HSA
How much does Dean Gold HSA cost per month?
Dean Gold HSA from Dean Health Plan starts at $644 per month before any subsidy in Wisconsin. 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 Dean Gold HSA?
The individual medical deductible is $3,400, and the family deductible is $6,800. 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 Dean Gold HSA?
The most you would pay in a year for covered in-network care is $4,400 for an individual and $8,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Dean Gold HSA HSA-eligible?
Yes. Dean Gold HSA 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 Dean Gold HSA use?
Dean Gold HSA 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.