NHP Plus 2650/5300
Starting at
$513
/month before subsidy
NHP Plus 2650/5300 is a 2026 Gold HMO health insurance plan from Issuer 77514, sold on the ACA Marketplace in Rhode Island under plan ID 77514RI0010005. The monthly premium starts at $513 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,650 ($2,650 for a family), and the individual out-of-pocket maximum is $5,650 ($5,650 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 77514RI0010005
- Plan year
- 2026
- State
- Rhode Island
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$2,650
Family: $2,650
Out-of-Pocket Max
$5,650
Family: $5,650
Coinsurance
0%
You pay after deductible
Network Type
HMO
RIN001
Medical Services
Prescription Drugs
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This Gold HMO 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
$984/month
Annual Premium
$6,156
OOP Maximum
$5,650
💡 What this means:
With a $2,650 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $5,650 total. Then insurance covers everything else for the year.
More plans from Issuer 77514 in Rhode Island
Frequently asked questions about NHP Plus 2650/5300
How much does NHP Plus 2650/5300 cost per month?
NHP Plus 2650/5300 from Issuer 77514 starts at $513 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 Plus 2650/5300?
The individual medical deductible is $2,650, and the family deductible is $2,650. 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 Plus 2650/5300?
The most you would pay in a year for covered in-network care is $5,650 for an individual and $5,650 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is NHP Plus 2650/5300 HSA-eligible?
No. NHP Plus 2650/5300 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 Plus 2650/5300 use?
NHP Plus 2650/5300 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.