Gold 2000 $15 Generic Drugs + Adult Vision & Fitness — full price in McDowell County, West Virginia (2026)
Gold 2000 $15 Generic Drugs + Adult Vision & Fitness (50328WV0020022), a gold plan from CareSource in McDowell County, West Virginia, costs $1023.55/month full price for a 40-year-old in 2026 — $2173.64 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 50328WV0020022 · 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 | $800.90 |
| 27 | $839.34 |
| 30 | $909.02 |
| 40 | $1023.55 |
| 50 | $1430.40 |
| 60 | $2173.64 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $1093.95/mo. This plan is $1023.55/mo at 40 — a difference of $-70.40/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 gold plans in McDowell County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services | CareSource | $979.61 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | CareSource | $983.65 |
| my Blue Access WV PPO Standard Gold 2000 | Highmark Blue Cross Blue Shield West Virginia | $984.14 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services | CareSource | $990.64 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | CareSource | $994.70 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 50328WV0020022 in FIPS 54047.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McDowell County
Reviewed by Jason Burns, Editorial Steward.