Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards
Starting at
$—
/month before subsidy
Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards is a 2026 Platinum EPO health insurance plan from Issuer 74289, sold on the ACA Marketplace in New York under plan ID 74289NY2770003. The individual medical deductible is $0, and the individual out-of-pocket maximum is $2,000 ($2,000 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 74289NY2770003
- Plan year
- 2026
- State
- New York
- Metal level
- Platinum
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$2,000
Family: $2,000
Coinsurance
0%
You pay after deductible
Network Type
EPO
NYN001
Medical Services
Prescription Drugs
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This Platinum EPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$167/month
Annual Premium
$0
OOP Maximum
$2,000
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $2,000 total. Then insurance covers everything else for the year.
More plans from Issuer 74289 in New York
- Bronze Classic, Bronze, Child-Only, ST, INN, Circle, Wellness Rewards
- Bronze Classic, Bronze, ST, INN, Circle, Dep25, Wellness Rewardsfrom $813/mo
- Bronze Classic, Bronze, ST, INN, Circle, Dep29, Wellness Rewardsfrom $817/mo
- Silver Classic, Silver, Child-Only, ST, INN, Circle, Wellness Rewards
- Silver Classic, Silver, ST, INN, Circle, Dep25, Wellness Rewardsfrom $1067/mo
- Silver Classic, Silver, ST, INN, Circle, Dep29, Wellness Rewardsfrom $1073/mo
- Silver Simple PCP Saver, Silver, NS, INN, Circle, Dep25, Wellness Rewardsfrom $1037/mo
- Silver Simple PCP Saver, Silver, NS, INN, Circle, Dep29, Wellness Rewardsfrom $1043/mo
Frequently asked questions about Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards
What is the deductible for Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards?
The individual medical deductible is $0. 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 Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards?
The most you would pay in a year for covered in-network care is $2,000 for an individual and $2,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards HSA-eligible?
No. Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards 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 Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards use?
Platinum Classic, Platinum, Child-Only, ST, INN, Circle, Wellness Rewards is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
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.