PHP Clear Cost Silver
Starting at
$788
/month before subsidy
PHP Clear Cost Silver is a 2026 Silver HMO health insurance plan from Issuer 57173, sold on the ACA Marketplace in New Mexico under plan ID 57173NM0310007. The monthly premium starts at $788 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,800 ($4,800 for a family), and the individual out-of-pocket maximum is $9,300 ($9,300 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 57173NM0310007
- Plan year
- 2026
- State
- New Mexico
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,800
Family: $4,800
Out-of-Pocket Max
$9,300
Family: $9,300
Coinsurance
0%
You pay after deductible
Network Type
HMO
NMN001
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
$1,563/month
Annual Premium
$9,456
OOP Maximum
$9,300
💡 What this means:
With a $4,800 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $9,300 total. Then insurance covers everything else for the year.
More plans from Issuer 57173 in New Mexico
- PHP Clear Cost Silver with Limited Service Areafrom $667/mo
- Silver $7,000 w/Gymfrom $687/mo
- Silver Select $7,000 w/Gym with Limited Service Areafrom $582/mo
- Gold $4,000 w/Gymfrom $653/mo
- Gold Select $3,400 w/Gym with Limited Service Areafrom $575/mo
- PHP Clear Cost Goldfrom $747/mo
- PHP Clear Cost Gold with Limited Service Areafrom $632/mo
Frequently asked questions about PHP Clear Cost Silver
How much does PHP Clear Cost Silver cost per month?
PHP Clear Cost Silver from Issuer 57173 starts at $788 per month before any subsidy in New Mexico. 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 PHP Clear Cost Silver?
The individual medical deductible is $4,800, and the family deductible is $4,800. 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 PHP Clear Cost Silver?
The most you would pay in a year for covered in-network care is $9,300 for an individual and $9,300 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is PHP Clear Cost Silver HSA-eligible?
No. PHP Clear Cost Silver 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 PHP Clear Cost Silver use?
PHP Clear Cost Silver 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.