EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental
Starting at
$1835
/month before subsidy
EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental is a 2026 Silver HMO health insurance plan from Issuer 88582, sold on the ACA Marketplace in New York under plan ID 88582NY0160001. The monthly premium starts at $1,835 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,450 ($2,450 for a family), and the individual out-of-pocket maximum is $10,150 ($10,150 for a family). After the deductible, coinsurance is 100% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 88582NY0160001
- Plan year
- 2026
- State
- New York
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$2,450
Family: $2,450
Out-of-Pocket Max
$10,150
Family: $10,150
Coinsurance
100%
You pay after deductible
Network Type
HMO
NYN004
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
$2,681/month
Annual Premium
$22,020
OOP Maximum
$10,150
💡 What this means:
With a $2,450 deductible, you pay 100% of costs until you've spent that much. After that, you pay 100% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from Issuer 88582 in New York
- EmblemHealth Select Care, Catastrophic, ST, INN, Select Care Network, Pediatric Dentalfrom $857/mo
- EmblemHealth Millennium, Bronze, ST, INN, Millennium Network, Dep25, Pediatric Dentalfrom $1115/mo
- EmblemHealth Millennium, Bronze, ST, INN, Millennium Network, Child Only, Pediatric Dental
- EmblemHealth Millennium, Bronze, ST, INN, Millennium Network, Dep29, Pediatric Dentalfrom $1149/mo
- EmblemHealth Select Care, Bronze, ST, INN, Select Care Network, Dep25, Pediatric Dentalfrom $1404/mo
- EmblemHealth Select Care, Bronze, ST, INN, Select Care Network, Dep29, Pediatric Dentalfrom $1446/mo
- EmblemHealth Select Care, Bronze, ST, INN, Select Care Network, Child Only, Pediatric Dental
- EmblemHealth Millennium, Silver, ST, INN, Millennium Network, Child Only, Pediatric Dental
Frequently asked questions about EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental
How much does EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental cost per month?
EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental from Issuer 88582 starts at $1,835 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 EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental?
The individual medical deductible is $2,450, and the family deductible is $2,450. 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 EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental?
The most you would pay in a year for covered in-network care is $10,150 for an individual and $10,150 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental HSA-eligible?
No. EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental 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 EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental use?
EmblemHealth Select Care, Silver, ST, INN, Select Care Network, Dep25, Pediatric Dental 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.