HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness
Starting at
$1702
/month before subsidy
HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness is a 2026 Platinum HMO health insurance plan from Issuer 94788, sold on the ACA Marketplace in New York under plan ID 94788NY0280130. The monthly premium starts at $1,702 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $200 ($200 for a family), and the individual out-of-pocket maximum is $6,000 ($6,000 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 94788NY0280130
- Plan year
- 2026
- State
- New York
- Metal level
- Platinum
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$200
Family: $200
Out-of-Pocket Max
$6,000
Family: $6,000
Coinsurance
0%
You pay after deductible
Network Type
HMO
NYN002
Medical Services
Prescription Drugs
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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
$2,202/month
Annual Premium
$20,424
OOP Maximum
$6,000
💡 What this means:
With a $200 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $6,000 total. Then insurance covers everything else for the year.
More plans from Issuer 94788 in New York
- HDHMO HSA Qualified 50, Catastrophic, ST, INN, HMO Network, Dep25from $367/mo
- HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep25from $806/mo
- HDHMO HSA Qualified 40 Bronze, ST, INN, HMO Network, Dep29from $809/mo
- HDHMO HSA Qualified 40 Child Only, Bronze, ST, INN, HMO Network from $1000/mo
- HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellnessfrom $817/mo
- HDHMO HSA Qualified 44, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellnessfrom $820/mo
- HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep25, Adult Vision, Lasik, Wellnessfrom $818/mo
- HDHMO HSA Qualified 45, Bronze, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellnessfrom $821/mo
Frequently asked questions about HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness
How much does HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness cost per month?
HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness from Issuer 94788 starts at $1,702 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 HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness?
The individual medical deductible is $200, and the family deductible is $200. 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 Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness?
The most you would pay in a year for covered in-network care is $6,000 for an individual and $6,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness HSA-eligible?
No. HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness 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 HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness use?
HMO Hybrid 13, Platinum, NS, INN, HMO Network, Dep29, Adult Vision, Lasik, Wellness 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.