MercyCare Silver Health Savings
Starting at
$661
/month before subsidy
MercyCare Silver Health Savings is a 2026 Silver HMO health insurance plan from Issuer 54322, sold on the ACA Marketplace in Illinois under plan ID 54322IL0090006. The monthly premium starts at $661 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $5,400 ($5,400 for a family), and the individual out-of-pocket maximum is $5,400 ($5,400 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 54322IL0090006
- Plan year
- 2026
- State
- Illinois
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$5,400
Family: $5,400
Out-of-Pocket Max
$5,400
Family: $5,400
Coinsurance
0%
You pay after deductible
Network Type
HMO
ILN001
Medical Services
Prescription Drugs
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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
$1,111/month
Annual Premium
$7,932
OOP Maximum
$5,400
💡 What this means:
With a $5,400 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $5,400 total. Then insurance covers everything else for the year.
More plans from Issuer 54322 in Illinois
Frequently asked questions about MercyCare Silver Health Savings
How much does MercyCare Silver Health Savings cost per month?
MercyCare Silver Health Savings from Issuer 54322 starts at $661 per month before any subsidy in Illinois. 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 MercyCare Silver Health Savings?
The individual medical deductible is $5,400, and the family deductible is $5,400. 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 MercyCare Silver Health Savings?
The most you would pay in a year for covered in-network care is $5,400 for an individual and $5,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is MercyCare Silver Health Savings HSA-eligible?
Yes. MercyCare Silver Health Savings 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 MercyCare Silver Health Savings use?
MercyCare Silver Health Savings 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.