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SilverHMOHSA Eligible

Anthem Silver Pathway X Enhanced 4500/20% HSA

Anthem Blue Cross and Blue Shield

Starting at

$445

/month before subsidy

Key facts

Anthem Silver Pathway X Enhanced 4500/20% HSA is a 2026 Silver HMO health insurance plan from Anthem Blue Cross and Blue Shield, sold on the ACA Marketplace in New Hampshire under plan ID 96751NH0150203. The monthly premium starts at $445 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,500 ($9,000 for a family), and the individual out-of-pocket maximum is $6,000 ($12,000 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
96751NH0150203
Plan year
2026
State
New Hampshire
Metal level
Silver
Plan type
HMO
HSA-eligible
Yes

Individual Deductible

$4,500

Family: $9,000

Out-of-Pocket Max

$6,000

Family: $12,000

Coinsurance

20%

You pay after deductible

Network Type

HMO

NHN001

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit20.00% Coinsurance after deductible
Specialist Visit20.00% Coinsurance after deductible
Urgent Care20.00% Coinsurance after deductible
Emergency Room20.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs20.00% Coinsurance after deductible
Brand Name Drugs35.00% Coinsurance after deductible
Specialty Drugs40.00% Coinsurance after deductible
CMS Quality Rating
The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.
4.0overall
Medical care

How well doctors manage and coordinate care

Member experience

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$6,060

your estimated cost

Deductible
$4,500
Copays
$0
Coinsurance
$1,500

Managing type 2 diabetes

A year of routine care

$4,720

your estimated cost

Deductible
$4,500
Copays
$0
Coinsurance
$200

A simple fracture

ER visit + follow-up

$2,800

your estimated cost

Deductible
$2,800
Copays
$0
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by Anthem Blue Cross and Blue Shield. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

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.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$945/month

Annual Premium

$5,340

OOP Maximum

$6,000

💡 What this means:

With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $6,000 total. Then insurance covers everything else for the year.

More plans from Anthem Blue Cross and Blue Shield in New Hampshire

View all Marketplace plans in New Hampshire

Frequently asked questions about Anthem Silver Pathway X Enhanced 4500/20% HSA

How much does Anthem Silver Pathway X Enhanced 4500/20% HSA cost per month?

Anthem Silver Pathway X Enhanced 4500/20% HSA from Anthem Blue Cross and Blue Shield starts at $445 per month before any subsidy in New Hampshire. 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 Anthem Silver Pathway X Enhanced 4500/20% HSA?

The individual medical deductible is $4,500, and the family deductible is $9,000. 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 Anthem Silver Pathway X Enhanced 4500/20% HSA?

The most you would pay in a year for covered in-network care is $6,000 for an individual and $12,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is Anthem Silver Pathway X Enhanced 4500/20% HSA HSA-eligible?

Yes. Anthem Silver Pathway X Enhanced 4500/20% 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 Anthem Silver Pathway X Enhanced 4500/20% HSA use?

Anthem Silver Pathway X Enhanced 4500/20% 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

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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.