my Blue Access WV PPO Premier Silver 0 — full price in Pendleton County, West Virginia (2026)
my Blue Access WV PPO Premier Silver 0 (31274WV0590003), a silver plan from Highmark Blue Cross Blue Shield West Virginia in Pendleton County, West Virginia, costs $988.38/month full price for a 40-year-old in 2026 — $2098.95 at 60, with a $0 deductible and $9,700 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for Pendleton County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 31274WV0590003 · Issuer: Highmark Blue Cross Blue Shield West Virginia · 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 | $773.38 |
| 27 | $810.50 |
| 30 | $877.79 |
| 40 | $988.38 |
| 50 | $1381.26 |
| 60 | $2098.95 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,700
- Family out-of-pocket max: $19,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $944.25/mo. This plan is $988.38/mo at 40 — a difference of $44.13/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 Pendleton County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| my Blue Access WV PPO Standard Silver 6000 | Highmark Blue Cross Blue Shield West Virginia | $911.18 |
| Low Premium Silver 6200 $3 Generic Drugs | CareSource | $944.25 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services | CareSource | $947.55 |
| Low Premium Silver 6200 $3 Generic Drugs + Adult Vision & Fitness | CareSource | $947.75 |
| Healthy Heart Silver 5000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | CareSource | $951.06 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 31274WV0590003 in FIPS 54071.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Pendleton County
Reviewed by Jason Burns, Editorial Steward.
Source record: privatehealthinsurancedirectanswers.com/plan/wv/pendleton/31274wv0590003 · Record ID PHI-1R006WB1