NHP Primary 4750/9500
Starting at
$506
/month before subsidy
NHP Primary 4750/9500 is a 2026 Silver HMO health insurance plan from Issuer 77514, sold on the ACA Marketplace in Rhode Island under plan ID 77514RI0010001. The monthly premium starts at $506 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,750 ($4,750 for a family), and the individual out-of-pocket maximum is $8,700 ($8,700 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 77514RI0010001
- Plan year
- 2026
- State
- Rhode Island
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$4,750
Family: $4,750
Out-of-Pocket Max
$8,700
Family: $8,700
Coinsurance
40%
You pay after deductible
Network Type
HMO
RIN001
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
$1,231/month
Annual Premium
$6,072
OOP Maximum
$8,700
💡 What this means:
With a $4,750 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,700 total. Then insurance covers everything else for the year.
More plans from Issuer 77514 in Rhode Island
Frequently asked questions about NHP Primary 4750/9500
How much does NHP Primary 4750/9500 cost per month?
NHP Primary 4750/9500 from Issuer 77514 starts at $506 per month before any subsidy in Rhode Island. 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 NHP Primary 4750/9500?
The individual medical deductible is $4,750, and the family deductible is $4,750. 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 NHP Primary 4750/9500?
The most you would pay in a year for covered in-network care is $8,700 for an individual and $8,700 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is NHP Primary 4750/9500 HSA-eligible?
No. NHP Primary 4750/9500 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 NHP Primary 4750/9500 use?
NHP Primary 4750/9500 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.