my Blue Access WV PPO Bronze 3800 — full price in Ritchie County, West Virginia (2026)
my Blue Access WV PPO Bronze 3800 (31274WV0560001), a expanded bronze plan from Highmark Blue Cross Blue Shield West Virginia in Ritchie County, West Virginia, costs $885.95/month full price for a 40-year-old in 2026 — $1881.43 at 60, with a $3,800 deductible and $9,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 31274WV0560001 · 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 | $693.23 |
| 27 | $726.51 |
| 30 | $786.82 |
| 40 | $885.95 |
| 50 | $1238.11 |
| 60 | $1881.43 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,800
- Family deductible: $7,600
- Individual out-of-pocket max: $9,900
- Family out-of-pocket max: $19,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $1157.29/mo. This plan is $885.95/mo at 40 — a difference of $-271.34/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 expanded bronze plans in Ritchie County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Low Premium Bronze 10600 $25 Generic Drugs | CareSource | $855.74 |
| Low Premium Bronze 10600 $25 Generic Drugs + Adult Vision & Fitness | CareSource | $860.03 |
| my Blue Access WV PPO Standard Bronze 7500 | Highmark Blue Cross Blue Shield West Virginia | $874.75 |
| my Blue Access WV PPO Bronze 3800 + Adult Dental and Vision | Highmark Blue Cross Blue Shield West Virginia | $906.72 |
| Bronze 7500 $25 Generic Drugs | CareSource | $912.58 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 31274WV0560001 in FIPS 54085.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Ritchie County
Reviewed by Jason Burns, Editorial Steward.