Better Together HMO Platinum No Ded/3300 MOOP
Starting at
$608
/month before subsidy
Better Together HMO Platinum No Ded/3300 MOOP is a 2026 Platinum HMO health insurance plan from Group Health Cooperative-SCW, sold on the ACA Marketplace in Wisconsin under plan ID 94529WI0240054. The monthly premium starts at $608 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $3,300 ($6,600 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 94529WI0240054
- Plan year
- 2026
- State
- Wisconsin
- Metal level
- Platinum
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$3,300
Family: $6,600
Coinsurance
40%
You pay after deductible
Network Type
HMO
WIN002
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
$3,350
your estimated cost
- Deductible
- $0
- Copays
- $0
- Coinsurance
- $3,300
Managing type 2 diabetes
A year of routine care
$1,370
your estimated cost
- Deductible
- $0
- Copays
- $690
- Coinsurance
- $660
A simple fracture
ER visit + follow-up
$1,360
your estimated cost
- Deductible
- $0
- Copays
- $720
- Coinsurance
- $630
Enter your ZIP code first to search nearby doctors.
This Platinum 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
$883/month
Annual Premium
$7,296
OOP Maximum
$3,300
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $3,300 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 Better Together HMO Platinum No Ded/3300 MOOP
How much does Better Together HMO Platinum No Ded/3300 MOOP cost per month?
Better Together HMO Platinum No Ded/3300 MOOP from Group Health Cooperative-SCW starts at $608 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 Better Together HMO Platinum No Ded/3300 MOOP?
The individual medical deductible is $0. 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 Better Together HMO Platinum No Ded/3300 MOOP?
The most you would pay in a year for covered in-network care is $3,300 for an individual and $6,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Better Together HMO Platinum No Ded/3300 MOOP HSA-eligible?
No. Better Together HMO Platinum No Ded/3300 MOOP 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 Better Together HMO Platinum No Ded/3300 MOOP use?
Better Together HMO Platinum No Ded/3300 MOOP 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.