my Blue Access WV PPO Premier Silver 0
Silver · PPO · Highmark Blue Cross Blue Shield West Virginia · West Virginia
At age 40 it costs between $988.38 and $1,229.45 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $0 | $9,700 | $45 | $5 |
| up to 150% of the federal poverty level | $0 | $1,250 | No Charge | No Charge |
| 150% to 200% | $0 | $3,400 | No Charge | No Charge |
| 200% to 250% | $0 | $7,700 | $45 | $5 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 31274WV0590003 |
|---|---|
| Insurer | Highmark Blue Cross Blue Shield West Virginia |
| Metal level | Silver |
| Plan type | PPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $0 |
| Most you could pay in a year | $9,700 |
| Family maximum | $19,400 |
| Primary care visit | $45 |
| Specialist visit | $45 |
| Emergency room | $1,250 |
| Inpatient stay | $2,500 Copay per Stay |
| Generic drugs | $5 |
| Preferred brand drugs | $30 |
| Specialty drugs | 50% |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 99.99% |
| 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 | $773.38 | $877.79 | $988.38 | $1,381.26 | $2,098.95 |
| Grant County | $773.38 | $877.79 | $988.38 | $1,381.26 | $2,098.95 |
| Hampshire County | $773.38 | $877.79 | $988.38 | $1,381.26 | $2,098.95 |
| Hardy County | $773.38 | $877.79 | $988.38 | $1,381.26 | $2,098.95 |
| Jefferson County | $773.38 | $877.79 | $988.38 | $1,381.26 | $2,098.95 |
| Mineral County | $773.38 | $877.79 | $988.38 | $1,381.26 | $2,098.95 |
| Morgan County | $773.38 | $877.79 | $988.38 | $1,381.26 | $2,098.95 |
| Pendleton County | $773.38 | $877.79 | $988.38 | $1,381.26 | $2,098.95 |
| Brooke County | $848.83 | $963.42 | $1,084.80 | $1,516.01 | $2,303.72 |
| Hancock County | $848.83 | $963.42 | $1,084.80 | $1,516.01 | $2,303.72 |
| Marshall County | $848.83 | $963.42 | $1,084.80 | $1,516.01 | $2,303.72 |
| Ohio County | $848.83 | $963.42 | $1,084.80 | $1,516.01 | $2,303.72 |
| Barbour County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Doddridge County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Gilmer County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Harrison County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Lewis County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Marion County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Monongalia County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Pocahontas County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Preston County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Randolph County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Taylor County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Tucker County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Upshur County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Webster County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Wetzel County | $872.41 | $990.19 | $1,114.94 | $1,558.12 | $2,367.72 |
| Boone County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Braxton County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Calhoun County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Clay County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Fayette County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Greenbrier County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Kanawha County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Lincoln County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Logan County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| McDowell County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Mercer County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Mingo County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Monroe County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Nicholas County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Raleigh County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Roane County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Summers County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Wyoming County | $895.99 | $1,016.95 | $1,145.08 | $1,600.24 | $2,431.72 |
| Jackson County | $947.87 | $1,075.83 | $1,211.38 | $1,692.90 | $2,572.52 |
| Pleasants County | $947.87 | $1,075.83 | $1,211.38 | $1,692.90 | $2,572.52 |
| Ritchie County | $947.87 | $1,075.83 | $1,211.38 | $1,692.90 | $2,572.52 |
| Tyler County | $947.87 | $1,075.83 | $1,211.38 | $1,692.90 | $2,572.52 |
| Wirt County | $947.87 | $1,075.83 | $1,211.38 | $1,692.90 | $2,572.52 |
| Wood County | $947.87 | $1,075.83 | $1,211.38 | $1,692.90 | $2,572.52 |
| Cabell County | $962.01 | $1,091.88 | $1,229.45 | $1,718.15 | $2,610.90 |
| Mason County | $962.01 | $1,091.88 | $1,229.45 | $1,718.15 | $2,610.90 |
| Putnam County | $962.01 | $1,091.88 | $1,229.45 | $1,718.15 | $2,610.90 |
| Wayne County | $962.01 | $1,091.88 | $1,229.45 | $1,718.15 | $2,610.90 |
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.
Get told when this changes
When this plan’s price or benefits change.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
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.