my Blue Access WV PPO Gold 0 — full price in Wirt County, West Virginia (2026)
my Blue Access WV PPO Gold 0 (31274WV0560005), a gold plan from Highmark Blue Cross Blue Shield West Virginia in Wirt County, West Virginia, costs $1125.15/month full price for a 40-year-old in 2026 — $2389.41 at 60, with a $0 deductible and $7,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 31274WV0560005 · 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 | $880.40 |
| 27 | $922.66 |
| 30 | $999.25 |
| 40 | $1125.15 |
| 50 | $1572.39 |
| 60 | $2389.41 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $7,500
- Family out-of-pocket max: $15,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $1157.29/mo. This plan is $1125.15/mo at 40 — a difference of $-32.14/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 Wirt County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services | CareSource | $1036.32 |
| Healthy Heart Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | CareSource | $1040.60 |
| my Blue Access WV PPO Standard Gold 2000 | Highmark Blue Cross Blue Shield West Virginia | $1041.11 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services | CareSource | $1048.00 |
| Diabetes Gold 3000 $0 Chronic Care Drugs & Services + Adult Vision & Fitness | CareSource | $1052.29 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 31274WV0560005 in FIPS 54105.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Wirt County
Reviewed by Jason Burns, Editorial Steward.