KP MD Silver Virtual Forward 3600 Ded
Starting at
$415
/month before subsidy
KP MD Silver Virtual Forward 3600 Ded is a 2026 Silver HMO health insurance plan from Issuer 90296, sold on the ACA Marketplace in Maryland under plan ID 90296MD0610016. The monthly premium starts at $415 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,600 ($3,600 for a family), and the individual out-of-pocket maximum is $8,500 ($8,500 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 90296MD0610016
- Plan year
- 2026
- State
- Maryland
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$3,600
Family: $3,600
Out-of-Pocket Max
$8,500
Family: $8,500
Coinsurance
30%
You pay after deductible
Network Type
HMO
MDN001
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
$1,123/month
Annual Premium
$4,980
OOP Maximum
$8,500
💡 What this means:
With a $3,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,500 total. Then insurance covers everything else for the year.
More plans from Issuer 90296 in Maryland
- KP MD Catastrophic 10600 Ded/Visionfrom $225/mo
- KP MD Bronze 6700 Ded/Visionfrom $337/mo
- KP MD Bronze 7500 Ded/HSA/Visionfrom $328/mo
- KP MD Bronze Value 10150 Ded/Visionfrom $332/mo
- KP MD Silver 6000 Ded/Visionfrom $450/mo
- KP MD Silver Value 4500 Ded/750 RxDed/Visionfrom $467/mo
- KP MD Gold 0 Ded/150 RxDed/Visionfrom $464/mo
- KP MD Gold 1750 Ded/250 RxDed/Visionfrom $419/mo
Frequently asked questions about KP MD Silver Virtual Forward 3600 Ded
How much does KP MD Silver Virtual Forward 3600 Ded cost per month?
KP MD Silver Virtual Forward 3600 Ded from Issuer 90296 starts at $415 per month before any subsidy in Maryland. 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 KP MD Silver Virtual Forward 3600 Ded?
The individual medical deductible is $3,600, and the family deductible is $3,600. 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 KP MD Silver Virtual Forward 3600 Ded?
The most you would pay in a year for covered in-network care is $8,500 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 KP MD Silver Virtual Forward 3600 Ded HSA-eligible?
No. KP MD Silver Virtual Forward 3600 Ded 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 KP MD Silver Virtual Forward 3600 Ded use?
KP MD Silver Virtual Forward 3600 Ded 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.