HMO HDHP Silver 5900
Starting at
$605
/month before subsidy
HMO HDHP Silver 5900 is a 2026 Silver HMO health insurance plan from Aspirus Health Plan, sold on the ACA Marketplace in Wisconsin under plan ID 86584WI0010013. The monthly premium starts at $605 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $5,900 ($11,800 for a family), and the individual out-of-pocket maximum is $5,900 ($11,800 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
- 86584WI0010013
- Plan year
- 2026
- State
- Wisconsin
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$5,900
Family: $11,800
Out-of-Pocket Max
$5,900
Family: $11,800
Coinsurance
0%
You pay after deductible
Network Type
HMO
WIN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- 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
$5,960
your estimated cost
- Deductible
- $5,900
- Copays
- $0
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$5,420
your estimated cost
- Deductible
- $5,400
- Copays
- $0
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
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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
$1,097/month
Annual Premium
$7,260
OOP Maximum
$5,900
💡 What this means:
With a $5,900 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $5,900 total. Then insurance covers everything else for the year.
More plans from Aspirus Health Plan in Wisconsin
Frequently asked questions about HMO HDHP Silver 5900
How much does HMO HDHP Silver 5900 cost per month?
HMO HDHP Silver 5900 from Aspirus Health Plan starts at $605 per month before any subsidy in Wisconsin. 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 HMO HDHP Silver 5900?
The individual medical deductible is $5,900, and the family deductible is $11,800. 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 HMO HDHP Silver 5900?
The most you would pay in a year for covered in-network care is $5,900 for an individual and $11,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is HMO HDHP Silver 5900 HSA-eligible?
Yes. HMO HDHP Silver 5900 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 HMO HDHP Silver 5900 use?
HMO HDHP Silver 5900 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.