Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives)
Starting at
$459
/month before subsidy
Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives) is a 2026 Silver HMO health insurance plan from Issuer 72545, sold on the ACA Marketplace in Maryland under plan ID 72545MD0010008. The monthly premium starts at $459 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,500 ($4,500 for a family), and the individual out-of-pocket maximum is $8,500 ($8,500 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 72545MD0010008
- Plan year
- 2026
- State
- Maryland
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,500
Family: $4,500
Out-of-Pocket Max
$8,500
Family: $8,500
Coinsurance
30%
You pay after deductible
Network Type
HMO
MDN001
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
$1,167/month
Annual Premium
$5,508
OOP Maximum
$8,500
💡 What this means:
With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,500 total. Then insurance covers everything else for the year.
More plans from Issuer 72545 in Maryland
- Wellpoint Essential Catastrophic (+ Incentives)from $241/mo
- Wellpoint Essential Bronze 5500 ($0 Virtual PCP + Incentives)from $332/mo
- Wellpoint Essential Bronze 6000 for HSA (+ Incentives)from $334/mo
- Wellpoint Essential Bronze Value 10150 ($0 Virtual PCP + Incentives)from $348/mo
- Wellpoint Essential Silver 2600 ($0 Virtual PCP + Incentives)from $437/mo
- Wellpoint Essential Silver 4000 ($0 Virtual PCP + Incentives)from $444/mo
- Wellpoint Essential Gold 1500 ($0 Virtual PCP + Incentives)from $404/mo
- Wellpoint Essential Gold 800 ($0 Virtual PCP + Incentives)from $411/mo
Frequently asked questions about Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives)
How much does Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives) cost per month?
Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives) from Issuer 72545 starts at $459 per month before any subsidy in Maryland. 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 Essential Silver Value 4500 ($0 Virtual PCP + Incentives)?
The individual medical deductible is $4,500, and the family deductible is $4,500. 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 Essential Silver Value 4500 ($0 Virtual PCP + Incentives)?
The most you would pay in a year for covered in-network care is $8,500 for an individual and $8,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives) HSA-eligible?
No. Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives) 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 Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + Incentives) use?
Wellpoint Essential Silver Value 4500 ($0 Virtual PCP + 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
- 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.