my Blue Access WV PPO Standard Gold 2000
Gold · PPO · Highmark Blue Cross Blue Shield West Virginia · West Virginia
At age 40 it costs between $849.46 and $1,056.65 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 31274WV0560009 |
|---|---|
| Insurer | Highmark Blue Cross Blue Shield West Virginia |
| Metal level | Gold |
| Plan type | PPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-601-2109 · TTY 1-888-601-2109 |
Where it is sold, and what it costs there
55 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Berkeley County | $664.68 | $754.41 | $849.46 | $1,187.12 | $1,803.94 |
| Grant County | $664.68 | $754.41 | $849.46 | $1,187.12 | $1,803.94 |
| Hampshire County | $664.68 | $754.41 | $849.46 | $1,187.12 | $1,803.94 |
| Hardy County | $664.68 | $754.41 | $849.46 | $1,187.12 | $1,803.94 |
| Jefferson County | $664.68 | $754.41 | $849.46 | $1,187.12 | $1,803.94 |
| Mineral County | $664.68 | $754.41 | $849.46 | $1,187.12 | $1,803.94 |
| Morgan County | $664.68 | $754.41 | $849.46 | $1,187.12 | $1,803.94 |
| Pendleton County | $664.68 | $754.41 | $849.46 | $1,187.12 | $1,803.94 |
| Brooke County | $729.53 | $828.02 | $932.34 | $1,302.94 | $1,979.94 |
| Hancock County | $729.53 | $828.02 | $932.34 | $1,302.94 | $1,979.94 |
| Marshall County | $729.53 | $828.02 | $932.34 | $1,302.94 | $1,979.94 |
| Ohio County | $729.53 | $828.02 | $932.34 | $1,302.94 | $1,979.94 |
| Barbour County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Doddridge County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Gilmer County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Harrison County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Lewis County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Marion County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Monongalia County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Pocahontas County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Preston County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Randolph County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Taylor County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Tucker County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Upshur County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Webster County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Wetzel County | $749.80 | $851.02 | $958.24 | $1,339.14 | $2,034.96 |
| Boone County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Braxton County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Calhoun County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Clay County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Fayette County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Greenbrier County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Kanawha County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Lincoln County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Logan County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| McDowell County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Mercer County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Mingo County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Monroe County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Nicholas County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Raleigh County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Roane County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Summers County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Wyoming County | $770.06 | $874.02 | $984.14 | $1,375.33 | $2,089.94 |
| Jackson County | $814.64 | $924.62 | $1,041.11 | $1,454.95 | $2,210.93 |
| Pleasants County | $814.64 | $924.62 | $1,041.11 | $1,454.95 | $2,210.93 |
| Ritchie County | $814.64 | $924.62 | $1,041.11 | $1,454.95 | $2,210.93 |
| Tyler County | $814.64 | $924.62 | $1,041.11 | $1,454.95 | $2,210.93 |
| Wirt County | $814.64 | $924.62 | $1,041.11 | $1,454.95 | $2,210.93 |
| Wood County | $814.64 | $924.62 | $1,041.11 | $1,454.95 | $2,210.93 |
| Cabell County | $826.80 | $938.42 | $1,056.65 | $1,476.66 | $2,243.94 |
| Mason County | $826.80 | $938.42 | $1,056.65 | $1,476.66 | $2,243.94 |
| Putnam County | $826.80 | $938.42 | $1,056.65 | $1,476.66 | $2,243.94 |
| Wayne County | $826.80 | $938.42 | $1,056.65 | $1,476.66 | $2,243.94 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.