my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision
Starting at
$833
/month before subsidy
my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision is a 2026 Gold PPO health insurance plan from Highmark Blue Cross Blue Shield Delaware, sold on the ACA Marketplace in Delaware under plan ID 76168DE0740002. The monthly premium starts at $833 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $7,000 ($14,000 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 76168DE0740002
- Plan year
- 2026
- State
- Delaware
- Metal level
- Gold
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$7,000
Family: $14,000
Coinsurance
20%
You pay after deductible
Network Type
PPO
DEN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$1,360
your estimated cost
- Deductible
- $0
- Copays
- $1,300
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$820
your estimated cost
- Deductible
- $0
- Copays
- $600
- Coinsurance
- $200
A simple fracture
ER visit + follow-up
$800
your estimated cost
- Deductible
- $0
- Copays
- $600
- Coinsurance
- $200
Enter your ZIP code first to search nearby doctors.
This Gold PPO 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
$1,416/month
Annual Premium
$9,996
OOP Maximum
$7,000
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $7,000 total. Then insurance covers everything else for the year.
More plans from Highmark Blue Cross Blue Shield Delaware in Delaware
- my Blue Access Major Events Select PPO Catastrophic 10600 - 3 Free PCP Visitsfrom $468/mo
- my Blue Access Select PPO Bronze 3800from $631/mo
- my Blue Access Select PPO Bronze 3800 + Adult Dental and Visionfrom $652/mo
- my Blue Access Select PPO Bronze 9200from $578/mo
- my Blue Access Select PPO Standard Bronze 7500from $625/mo
- my Blue Access Select PPO Premier Silver 0 + Adult Dental and Visionfrom $893/mo
- my Blue Access Select PPO Standard Silver 6000from $805/mo
- my Blue Access Select PPO Gold 0from $800/mo
Frequently asked questions about my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision
How much does my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision cost per month?
my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision from Highmark Blue Cross Blue Shield Delaware starts at $833 per month before any subsidy in Delaware. 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 my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision?
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 my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision?
The most you would pay in a year for covered in-network care is $7,000 for an individual and $14,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision HSA-eligible?
No. my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision 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 my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision use?
my Blue Access Select PPO Premier Gold 0 + Adult Dental and Vision is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
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.