Wellpoint Essential Bronze 4000 HSA (+ Incentives)
Starting at
$436
/month before subsidy
Wellpoint Essential Bronze 4000 HSA (+ Incentives) is a 2026 Expanded_bronze HMO health insurance plan from WellPoint, sold on the ACA Marketplace in Texas under plan ID 47501TX0040002. The monthly premium starts at $436 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,000 ($8,000 for a family), and the individual out-of-pocket maximum is $8,450 ($16,900 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 47501TX0040002
- Plan year
- 2026
- State
- Texas
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$4,000
Family: $8,000
Out-of-Pocket Max
$8,450
Family: $16,900
Coinsurance
40%
You pay after deductible
Network Type
HMO
TXN002
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$7,460
your estimated cost
- Deductible
- $4,000
- Copays
- $0
- Coinsurance
- $3,400
Managing type 2 diabetes
A year of routine care
$4,620
your estimated cost
- Deductible
- $4,000
- Copays
- $0
- Coinsurance
- $600
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
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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.
If you max out this year
$1,140/month
Annual Premium
$5,232
OOP Maximum
$8,450
💡 What this means:
With a $4,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,450 total. Then insurance covers everything else for the year.
More plans from WellPoint in Texas
- Wellpoint Essential Catastrophic (+ Incentives)from $397/mo
- Wellpoint Essential Bronze 6000 ($0 Virtual PCP + $0 Select Drugs + Incentives)from $418/mo
- Wellpoint Essential Bronze 6000 Adult Dental/Vision ($0 Virtual PCP+$0 Select Drugs)from $425/mo
- Wellpoint Essential Bronze 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)from $424/mo
- Wellpoint Essential Bronze POS 4500 ($0 Virtual PCP + $0 Select Drugs + Incentives)from $446/mo
- Wellpoint Essential Bronze POS 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives)from $441/mo
- Wellpoint Essential Bronze POS 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)from $445/mo
- Wellpoint Essential Silver 1850 ($0 Virtual PCP + $0 Select Drugs + Incentives)from $689/mo
Frequently asked questions about Wellpoint Essential Bronze 4000 HSA (+ Incentives)
How much does Wellpoint Essential Bronze 4000 HSA (+ Incentives) cost per month?
Wellpoint Essential Bronze 4000 HSA (+ Incentives) from WellPoint starts at $436 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 4000 HSA (+ Incentives)?
The individual medical deductible is $4,000, and the family deductible is $8,000. 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 4000 HSA (+ Incentives)?
The most you would pay in a year for covered in-network care is $8,450 for an individual and $16,900 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Wellpoint Essential Bronze 4000 HSA (+ Incentives) HSA-eligible?
Yes. Wellpoint Essential Bronze 4000 HSA (+ 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 4000 HSA (+ Incentives) use?
Wellpoint Essential Bronze 4000 HSA (+ Incentives) 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.