Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness — full price in Clay County, West Virginia (2026)
Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness (50328WV0020036), a silver plan from CareSource in Clay County, West Virginia, costs $1101.83/month full price for a 40-year-old in 2026 — $2339.88 at 60, with a $5,000 deductible and $9,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 50328WV0020036 · Issuer: CareSource · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $862.15 |
| 27 | $903.54 |
| 30 | $978.54 |
| 40 | $1101.83 |
| 50 | $1539.81 |
| 60 | $2339.88 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,000
- Family deductible: $10,000
- Individual out-of-pocket max: $9,500
- Family out-of-pocket max: $19,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $1093.95/mo. This plan is $1101.83/mo at 40 — a difference of $7.88/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other silver plans in Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| my Blue Access WV PPO Standard Silver 6000 | Highmark Blue Cross Blue Shield West Virginia | $1055.63 |
| Low Premium Silver 6200 $3 Generic Drugs | CareSource | $1093.95 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services | CareSource | $1097.78 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness | CareSource | $1098.01 |
| Silver 6000 $20 Generic Drugs | CareSource | $1102.07 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 50328WV0020036 in FIPS 54015.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.