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Expanded_bronzePOSHSA Eligible

Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)

WellPoint

Starting at

$441

/month before subsidy

Key facts

Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) is a 2026 Expanded_bronze POS health insurance plan from WellPoint, sold on the ACA Marketplace in Texas under plan ID 47501TX0030002. The monthly premium starts at $441 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $5,500 ($11,000 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 35% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
47501TX0030002
Plan year
2026
State
Texas
Metal level
Expanded_bronze
Plan type
POS
HSA-eligible
Yes

Individual Deductible

$5,500

Family: $11,000

Out-of-Pocket Max

$10,600

Family: $21,200

Coinsurance

35%

You pay after deductible

Network Type

POS

TXN002

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$30.00
Specialist Visit35.00% Coinsurance after deductible
Urgent Care$50.00
Emergency Room$500.00 Copay after deductible

Prescription Drugs

Generic Drugs35.00% Coinsurance after deductible
Brand Name Drugs45.00% Coinsurance after deductible
Specialty Drugs50.00% Coinsurance after deductible
What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$9,060

your estimated cost

Deductible
$5,500
Copays
$0
Coinsurance
$3,500

Managing type 2 diabetes

A year of routine care

$4,920

your estimated cost

Deductible
$4,700
Copays
$200
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible
$2,800
Copays
$0
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by WellPoint. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

Review the plan details above to determine if this plan fits your healthcare needs and budget.

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,324/month

Annual Premium

$5,292

OOP Maximum

$10,600

💡 What this means:

With a $5,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 35% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.

More plans from WellPoint in Texas

View all Marketplace plans in Texas

Frequently asked questions about Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)

How much does Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) cost per month?

Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) from WellPoint starts at $441 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 Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)?

The individual medical deductible is $5,500, and the family deductible is $11,000. 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 Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)?

The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) HSA-eligible?

Yes. Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) 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 Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) use?

Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) is a POS plan. POS plans blend HMO and PPO features: you pick a primary care provider and can go out of network at a higher cost.

Understand what you'd actually pay

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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.