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Wellpoint Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives)

WellPoint

Starting at

$497

/month before subsidy

Key facts

Wellpoint Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives) is a 2027 Expanded_bronze HMO health insurance plan from WellPoint, sold on the ACA Marketplace in Texas under plan ID 47501TX0040014. The monthly premium starts at $497 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $5,000 ($10,000 for a family), and the individual out-of-pocket maximum is $10,400 ($20,800 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
47501TX0040014
Plan year
2027
State
Texas
Metal level
Expanded_bronze
Plan type
HMO
HSA-eligible
Yes

Individual Deductible

$5,000

Family: $10,000

Out-of-Pocket Max

$10,400

Family: $20,800

Coinsurance

30%

You pay after deductible

Network Type

HMO

TXN002

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

Medical Services

Primary Care Visit$40.00
Specialist Visit30.00% Coinsurance after deductible
Urgent Care$50.00
Emergency Room$500.00 Copay after deductible

Prescription Drugs

Generic Drugs$20.00
Brand Name Drugs35.00% Coinsurance after deductible
Specialty Drugs40.00% 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

$7,370

your estimated cost

Deductible
$5,000
Copays
$10
Coinsurance
$2,300

Managing type 2 diabetes

A year of routine care

$2,620

your estimated cost

Deductible
$400
Copays
$2,200
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,810

your estimated cost

Deductible
$2,800
Copays
$10
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

$1,364/month

Annual Premium

$5,964

OOP Maximum

$10,400

💡 What this means:

With a $5,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $10,400 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 Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives)

How much does Wellpoint Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives) cost per month?

Wellpoint Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives) from WellPoint starts at $497 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 Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives)?

The individual medical deductible is $5,000, and the family deductible is $10,000. 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 Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives)?

The most you would pay in a year for covered in-network care is $10,400 for an individual and $20,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is Wellpoint Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives) HSA-eligible?

Yes. Wellpoint Heart Healthy Essential Bronze 5000 HSA ($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 Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + Incentives) use?

Wellpoint Heart Healthy Essential Bronze 5000 HSA ($0 Select Drugs + 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

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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.