Bronze HMO Pathway Enhanced
Starting at
$557
/month before subsidy
Bronze HMO Pathway Enhanced is a 2026 Expanded_bronze HMO health insurance plan from Issuer 86545, sold on the ACA Marketplace in Connecticut under plan ID 86545CT1580001. The monthly premium starts at $557 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,000 ($7,000 for a family), and the individual out-of-pocket maximum is $10,000 ($10,000 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
- 86545CT1580001
- Plan year
- 2026
- State
- Connecticut
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$7,000
Family: $7,000
Out-of-Pocket Max
$10,000
Family: $10,000
Coinsurance
0%
You pay after deductible
Network Type
HMO
CTN006
Medical Services
Prescription Drugs
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,390/month
Annual Premium
$6,684
OOP Maximum
$10,000
💡 What this means:
With a $7,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,000 total. Then insurance covers everything else for the year.
More plans from Issuer 86545 in Connecticut
- Catastrophic HMO Pathway Enhancedfrom $325/mo
- Bronze HMO Pathway Enhanced with Adult Dental and Vision Benefitsfrom $562/mo
- Bronze PPO Pathway with PreventiveRx HSAfrom $590/mo
- Bronze PPO Standard Pathwayfrom $638/mo
- Bronze PPO Standard Pathway HSAfrom $599/mo
- Silver PPO Standard Pathwayfrom $677/mo
- Gold HMO Pathway Enhanced with Adult Dental and Vision Benefitsfrom $719/mo
- Gold PPO Pathwayfrom $762/mo
Frequently asked questions about Bronze HMO Pathway Enhanced
How much does Bronze HMO Pathway Enhanced cost per month?
Bronze HMO Pathway Enhanced from Issuer 86545 starts at $557 per month before any subsidy in Connecticut. 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 Bronze HMO Pathway Enhanced?
The individual medical deductible is $7,000, and the family deductible is $7,000. 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 Bronze HMO Pathway Enhanced?
The most you would pay in a year for covered in-network care is $10,000 for an individual and $10,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Bronze HMO Pathway Enhanced HSA-eligible?
Yes. Bronze HMO Pathway Enhanced 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 Bronze HMO Pathway Enhanced use?
Bronze HMO Pathway Enhanced 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.