Low Deductible Silver 5000 $3 Generic Drugs
Silver · HMO · CareSource · West Virginia
At age 40 it costs between $976.98 and $1,215.27 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 | $5,000 | $9,250 | $30 | $3 |
| up to 150% of the federal poverty level | $250 | $1,200 | No Charge | No Charge |
| 150% to 200% | $800 | $3,500 | $10 | $3 |
| 200% to 250% | $4,400 | $7,750 | $30 | $3 |
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 | 50328WV0010025 |
|---|---|
| Insurer | CareSource |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $5,000 |
| Deductible (family) | $10,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,250 |
| Family maximum | $18,500 |
| Primary care visit | $30 |
| Specialist visit | $70 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $70 |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| 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 | 1-833-230-2099 · TTY 1-800-982-8771 |
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 | $764.46 | $867.66 | $976.98 | $1,365.33 | $2,074.75 |
| Grant County | $764.46 | $867.66 | $976.98 | $1,365.33 | $2,074.75 |
| Hampshire County | $764.46 | $867.66 | $976.98 | $1,365.33 | $2,074.75 |
| Hardy County | $764.46 | $867.66 | $976.98 | $1,365.33 | $2,074.75 |
| Jefferson County | $764.46 | $867.66 | $976.98 | $1,365.33 | $2,074.75 |
| Mineral County | $764.46 | $867.66 | $976.98 | $1,365.33 | $2,074.75 |
| Morgan County | $764.46 | $867.66 | $976.98 | $1,365.33 | $2,074.75 |
| Pendleton County | $764.46 | $867.66 | $976.98 | $1,365.33 | $2,074.75 |
| Brooke County | $839.04 | $952.31 | $1,072.30 | $1,498.53 | $2,277.16 |
| Hancock County | $839.04 | $952.31 | $1,072.30 | $1,498.53 | $2,277.16 |
| Marshall County | $839.04 | $952.31 | $1,072.30 | $1,498.53 | $2,277.16 |
| Ohio County | $839.04 | $952.31 | $1,072.30 | $1,498.53 | $2,277.16 |
| Barbour County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Doddridge County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Gilmer County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Harrison County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Lewis County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Marion County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Monongalia County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Pocahontas County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Preston County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Randolph County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Taylor County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Tucker County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Upshur County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Webster County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Wetzel County | $862.35 | $978.77 | $1,102.08 | $1,540.16 | $2,340.42 |
| Boone County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Braxton County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Calhoun County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Clay County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Fayette County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Greenbrier County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Kanawha County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Lincoln County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Logan County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| McDowell County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Mercer County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Mingo County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Monroe County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Nicholas County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Raleigh County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Roane County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Summers County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Wyoming County | $885.66 | $1,005.22 | $1,131.87 | $1,581.78 | $2,403.67 |
| Jackson County | $936.93 | $1,063.42 | $1,197.40 | $1,673.36 | $2,542.83 |
| Pleasants County | $936.93 | $1,063.42 | $1,197.40 | $1,673.36 | $2,542.83 |
| Ritchie County | $936.93 | $1,063.42 | $1,197.40 | $1,673.36 | $2,542.83 |
| Tyler County | $936.93 | $1,063.42 | $1,197.40 | $1,673.36 | $2,542.83 |
| Wirt County | $936.93 | $1,063.42 | $1,197.40 | $1,673.36 | $2,542.83 |
| Wood County | $936.93 | $1,063.42 | $1,197.40 | $1,673.36 | $2,542.83 |
| Cabell County | $950.92 | $1,079.29 | $1,215.27 | $1,698.33 | $2,580.78 |
| Mason County | $950.92 | $1,079.29 | $1,215.27 | $1,698.33 | $2,580.78 |
| Putnam County | $950.92 | $1,079.29 | $1,215.27 | $1,698.33 | $2,580.78 |
| Wayne County | $950.92 | $1,079.29 | $1,215.27 | $1,698.33 | $2,580.78 |
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.