Partners HMO Gold 4000 Ded/4000 MOOP HSA
Starting at
$637
/month before subsidy
Partners HMO Gold 4000 Ded/4000 MOOP HSA is a 2026 Gold HMO health insurance plan from Group Health Cooperative-SCW, sold on the ACA Marketplace in Wisconsin under plan ID 94529WI0240023. The monthly premium starts at $637 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,000 ($8,000 for a family), and the individual out-of-pocket maximum is $4,000 ($8,000 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
- 94529WI0240023
- Plan year
- 2026
- State
- Wisconsin
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$4,000
Family: $8,000
Out-of-Pocket Max
$4,000
Family: $8,000
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
$4,050
your estimated cost
- Deductible
- $4,000
- Copays
- $0
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$4,020
your estimated cost
- Deductible
- $3,880
- Copays
- $0
- Coinsurance
- $120
A simple fracture
ER visit + follow-up
$2,180
your estimated cost
- Deductible
- $2,170
- Copays
- $0
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$970/month
Annual Premium
$7,644
OOP Maximum
$4,000
💡 What this means:
With a $4,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $4,000 total. Then insurance covers everything else for the year.
More plans from Group Health Cooperative-SCW in Wisconsin
- Partners HMO Bronze 10600 Ded/10600 MOOP HSAfrom $500/mo
- Partners HMO Bronze 6000 Ded/10600 MOOP HSAfrom $474/mo
- Better Together HMO Bronze 6500 Ded/8750 MOOP HSAfrom $464/mo
- Better Together HMO Bronze 7500 Ded/10000 MOOP HSAfrom $438/mo
- Better Together HMO Bronze No Medical Ded/10600 MOOP HSAfrom $479/mo
- Partners HMO Bronze 7500 Ded/10000 MOOP HSAfrom $504/mo
- Better Together HMO Silver 5500 Ded/8500 MOOP with Visionfrom $548/mo
- Better Together HMO Silver 5975 Ded/5975 MOOP HSAfrom $596/mo
Frequently asked questions about Partners HMO Gold 4000 Ded/4000 MOOP HSA
How much does Partners HMO Gold 4000 Ded/4000 MOOP HSA cost per month?
Partners HMO Gold 4000 Ded/4000 MOOP HSA from Group Health Cooperative-SCW starts at $637 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 Partners HMO Gold 4000 Ded/4000 MOOP HSA?
The individual medical deductible is $4,000, and the family deductible is $8,000. 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 Partners HMO Gold 4000 Ded/4000 MOOP HSA?
The most you would pay in a year for covered in-network care is $4,000 for an individual and $8,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Partners HMO Gold 4000 Ded/4000 MOOP HSA HSA-eligible?
Yes. Partners HMO Gold 4000 Ded/4000 MOOP HSA 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 Partners HMO Gold 4000 Ded/4000 MOOP HSA use?
Partners HMO Gold 4000 Ded/4000 MOOP HSA 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.