Platinum Zero $5 Generic Drugs
Platinum · HMO · CareSource · West Virginia
At age 40 it costs between $1,595.89 and $1,985.13 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 | 50328WV0010034 |
|---|---|
| Insurer | CareSource |
| Metal level | Platinum |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $5,200 |
| Family maximum | $10,400 |
| Primary care visit | $10 |
| Specialist visit | $20 |
| Emergency room | $100 |
| Inpatient stay | $350 Copay per Stay |
| Generic drugs | $5 |
| Preferred brand drugs | $10 |
| Specialty drugs | $150 |
| 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 | $1,248.74 | $1,417.32 | $1,595.89 | $2,230.24 | $3,389.07 |
| Grant County | $1,248.74 | $1,417.32 | $1,595.89 | $2,230.24 | $3,389.07 |
| Hampshire County | $1,248.74 | $1,417.32 | $1,595.89 | $2,230.24 | $3,389.07 |
| Hardy County | $1,248.74 | $1,417.32 | $1,595.89 | $2,230.24 | $3,389.07 |
| Jefferson County | $1,248.74 | $1,417.32 | $1,595.89 | $2,230.24 | $3,389.07 |
| Mineral County | $1,248.74 | $1,417.32 | $1,595.89 | $2,230.24 | $3,389.07 |
| Morgan County | $1,248.74 | $1,417.32 | $1,595.89 | $2,230.24 | $3,389.07 |
| Pendleton County | $1,248.74 | $1,417.32 | $1,595.89 | $2,230.24 | $3,389.07 |
| Brooke County | $1,370.56 | $1,555.59 | $1,751.58 | $2,447.83 | $3,719.71 |
| Hancock County | $1,370.56 | $1,555.59 | $1,751.58 | $2,447.83 | $3,719.71 |
| Marshall County | $1,370.56 | $1,555.59 | $1,751.58 | $2,447.83 | $3,719.71 |
| Ohio County | $1,370.56 | $1,555.59 | $1,751.58 | $2,447.83 | $3,719.71 |
| Barbour County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Doddridge County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Gilmer County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Harrison County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Lewis County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Marion County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Monongalia County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Pocahontas County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Preston County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Randolph County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Taylor County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Tucker County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Upshur County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Webster County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Wetzel County | $1,408.64 | $1,598.80 | $1,800.24 | $2,515.82 | $3,823.04 |
| Boone County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Braxton County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Calhoun County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Clay County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Fayette County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Greenbrier County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Kanawha County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Lincoln County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Logan County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| McDowell County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Mercer County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Mingo County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Monroe County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Nicholas County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Raleigh County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Roane County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Summers County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Wyoming County | $1,446.71 | $1,642.01 | $1,848.89 | $2,583.82 | $3,926.36 |
| Jackson County | $1,530.46 | $1,737.08 | $1,955.93 | $2,733.41 | $4,153.68 |
| Pleasants County | $1,530.46 | $1,737.08 | $1,955.93 | $2,733.41 | $4,153.68 |
| Ritchie County | $1,530.46 | $1,737.08 | $1,955.93 | $2,733.41 | $4,153.68 |
| Tyler County | $1,530.46 | $1,737.08 | $1,955.93 | $2,733.41 | $4,153.68 |
| Wirt County | $1,530.46 | $1,737.08 | $1,955.93 | $2,733.41 | $4,153.68 |
| Wood County | $1,530.46 | $1,737.08 | $1,955.93 | $2,733.41 | $4,153.68 |
| Cabell County | $1,553.31 | $1,763 | $1,985.13 | $2,774.21 | $4,215.68 |
| Mason County | $1,553.31 | $1,763 | $1,985.13 | $2,774.21 | $4,215.68 |
| Putnam County | $1,553.31 | $1,763 | $1,985.13 | $2,774.21 | $4,215.68 |
| Wayne County | $1,553.31 | $1,763 | $1,985.13 | $2,774.21 | $4,215.68 |
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.