Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness
Starting at
$980
/month before subsidy
Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness is a 2026 Silver HMO health insurance plan from CareSource, sold on the ACA Marketplace in West Virginia under plan ID 50328WV0020025. The monthly premium starts at $980 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 $9,250 ($18,500 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 50328WV0020025
- Plan year
- 2026
- State
- West Virginia
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$5,000
Family: $10,000
Out-of-Pocket Max
$9,250
Family: $18,500
Coinsurance
40%
You pay after deductible
Network Type
HMO
WVN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- 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
$6,580
your estimated cost
- Deductible
- $5,000
- Copays
- $80
- Coinsurance
- $1,500
Managing type 2 diabetes
A year of routine care
$2,100
your estimated cost
- Deductible
- $200
- Copays
- $1,900
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,500
your estimated cost
- Deductible
- $2,300
- Copays
- $200
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,751/month
Annual Premium
$11,760
OOP Maximum
$9,250
💡 What this means:
With a $5,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $9,250 total. Then insurance covers everything else for the year.
More plans from CareSource in West Virginia
- Bronze 7500 $25 Generic Drugsfrom $745/mo
- Bronze 7500 $25 Generic Drugs + Adult Vision & Fitnessfrom $748/mo
- Low Premium Bronze 10600 $25 Generic Drugsfrom $698/mo
- Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitnessfrom $702/mo
- Diabetes Silver 5000 $0 Chronic Care Drugs & Servicesfrom $972/mo
- Diabetes Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitnessfrom $975/mo
- Healthy Heart Silver 5000 $0 Chronic Care Drugs & Servicesfrom $948/mo
- Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitnessfrom $951/mo
Frequently asked questions about Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness
How much does Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness cost per month?
Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness from CareSource starts at $980 per month before any subsidy in West Virginia. 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 Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness?
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 Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness?
The most you would pay in a year for covered in-network care is $9,250 for an individual and $18,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness HSA-eligible?
No. Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness 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 Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness use?
Low Deductible Silver 5000 $3 Generic Drugs + Adult Vision & Fitness 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.