Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture
Starting at
$992
/month before subsidy
Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture is a 2026 Silver EPO health insurance plan from Issuer 78124, sold on the ACA Marketplace in New York under plan ID 78124NY0900039. The monthly premium starts at $992 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,500 ($8,500 for a family), and the individual out-of-pocket maximum is $7,000 ($8,500 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 78124NY0900039
- Plan year
- 2026
- State
- New York
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$4,500
Family: $8,500
Out-of-Pocket Max
$7,000
Family: $8,500
Coinsurance
0%
You pay after deductible
Network Type
EPO
NYN005
Medical Services
Prescription Drugs
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This Silver EPO 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
$1,575/month
Annual Premium
$11,904
OOP Maximum
$7,000
💡 What this means:
With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $7,000 total. Then insurance covers everything else for the year.
More plans from Issuer 78124 in New York
- Base Catastrophic, ST, INN, Excellus BCBS EPO, Dep25, Pediatric Dentalfrom $456/mo
- Bronze Secure Plus 3, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Acupuncturefrom $768/mo
- Bronze Secure Plus 3, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Acupuncturefrom $783/mo
- Bronze Secure Plus 3, Expanded Bronze, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Acupuncturefrom $677/mo
- Bronze Secure Plus 3, Expanded Bronze, NS, INN, Univera EPO Local, Dep29, Adult/Family Dental, Adult Vision, Acupuncturefrom $690/mo
- Bronze Select, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncturefrom $833/mo
- Bronze Select, Expanded Bronze, NS, INN, Excellus BCBS EPO, Dep29, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncturefrom $849/mo
- Bronze Select, Expanded Bronze, NS, INN, Univera EPO Local, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncturefrom $735/mo
Frequently asked questions about Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture
How much does Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture cost per month?
Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture from Issuer 78124 starts at $992 per month before any subsidy in New York. 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 Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture?
The individual medical deductible is $4,500, and the family deductible is $8,500. 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 Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture?
The most you would pay in a year for covered in-network care is $7,000 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 Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture HSA-eligible?
Yes. Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture use?
Silver Select 2, Silver, NS, INN, Excellus BCBS EPO, Dep25, Adult/Family Dental, Adult Vision, Preventive Rx, Acupuncture 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.