Silver Select $7,000 w/Gym with Limited Service Area
Starting at
$582
/month before subsidy
Silver Select $7,000 w/Gym with Limited Service Area is a 2026 Silver HMO health insurance plan from Issuer 57173, sold on the ACA Marketplace in New Mexico under plan ID 57173NM0310008. The monthly premium starts at $582 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,000 ($7,000 for a family), and the individual out-of-pocket maximum is $10,150 ($10,150 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 57173NM0310008
- Plan year
- 2026
- State
- New Mexico
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$7,000
Family: $7,000
Out-of-Pocket Max
$10,150
Family: $10,150
Coinsurance
30%
You pay after deductible
Network Type
HMO
NMN002
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
$1,428/month
Annual Premium
$6,984
OOP Maximum
$10,150
💡 What this means:
With a $7,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from Issuer 57173 in New Mexico
- PHP Clear Cost Silverfrom $788/mo
- PHP Clear Cost Silver with Limited Service Areafrom $667/mo
- Silver $7,000 w/Gymfrom $687/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 Silver Select $7,000 w/Gym with Limited Service Area
How much does Silver Select $7,000 w/Gym with Limited Service Area cost per month?
Silver Select $7,000 w/Gym with Limited Service Area from Issuer 57173 starts at $582 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 Silver Select $7,000 w/Gym with Limited Service Area?
The individual medical deductible is $7,000, and the family deductible is $7,000. 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 Silver Select $7,000 w/Gym with Limited Service Area?
The most you would pay in a year for covered in-network care is $10,150 for an individual and $10,150 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Silver Select $7,000 w/Gym with Limited Service Area HSA-eligible?
No. Silver Select $7,000 w/Gym with Limited Service Area 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 Silver Select $7,000 w/Gym with Limited Service Area use?
Silver Select $7,000 w/Gym with Limited Service Area 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.