Are medical and pharmacy deductibles separate?

No. The Schedule of Benefits lists a combined medical and pharmacy deductible.

Can I use an out-of-network provider?

For most non-emergency covered services, Molina requires participating providers. Check the policy for exceptions.

How much is the monthly premium?

The premium is provided separately and depends on applicant and location details and any applicable financial assistance.

Molina Silver Standard 73 Texas Health Insurance 2026

Q: What is the family out-of-pocket maximum?

The listed annual family maximum is $14,800.

Molina Silver Standard 73 Texas Health Insurance 2026 | Finzony

Molina Silver Standard 73 Overview

Molina Silver Standard 73 is a 2026 Texas individual and family Marketplace health insurance plan. Molina’s official Schedule of Benefits lists a $3,000 individual deductible and $6,000 family deductible. The annual out-of-pocket maximum is $7,400 for an individual and $14,800 for a family. Medical and prescription pharmacy deductibles are combined. The plan uses participating providers for covered non-emergency services; check the official Schedule of Benefits and Summary of Benefits and Coverage for service-specific copays, coinsurance, exclusions and restrictions.

2026 Texas plan with a $3,000 individual deductible and $7,400 individual out-of-pocket maximum.

Expert Review of Molina Silver Standard 73

The listed deductible and out-of-pocket limits help members compare this Silver plan with other Marketplace options. Actual costs depend on the service received and the applicable benefit rules. Molina states that non-emergency services generally must be obtained from participating providers; otherwise, members may be responsible for the full cost. Compare premiums, confirm provider-network participation and review the prescription formulary before enrollment.

Pros

The plan has a defined individual annual out-of-pocket maximum.
The official schedule provides separate individual and family cost limits.
The combined medical and pharmacy deductible is clearly specified.

Cons

Members may need to pay substantial costs before meeting the deductible.
Out-of-network non-emergency care may not be covered.
The premium is not established by the benefit summary and must be quoted separately.

About Molina Healthcare (Insurer Profile)

Molina Healthcare

Key Insights

Founded

1980

Molina Healthcare was established 46 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

0% CSR, calculated as a 3-year average

Molina Healthcare settles 0% of all claims it receives.

Network Hospitals

5.5 million members

Molina Healthcare has a network of 5.5 million members hospitals, ensuring wide accessibility and convenience for policyholders.

Molina Silver Standard 73 Features and Benefits

Individual deductible

$3,000 for an individual.

Check the official schedule for service-specific deductible rules.

Family deductible

$6,000 for a family.

Refer to the policy for individual and family accumulation rules.

Individual out-of-pocket maximum

$7,400 annually.

Applies to eligible covered cost sharing under the plan rules.

Family out-of-pocket maximum

$14,800 annually.

Check the policy for family accumulation rules and exceptions.

Combined medical and pharmacy deductible

Medical and pharmacy deductibles are combined.

Prescription coverage and cost sharing depend on the formulary and plan terms.

Participating provider network

Covered non-emergency services generally must be obtained from participating providers.

Verify the provider and facility network before receiving care.

What Molina Silver Standard 73 Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Premiums, balance-billing charges and non-covered healthcare are not included in the out-of-pocket limit.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

What's missing in Molina Silver Standard 73

Check the provider directory for preferred doctors, hospitals and pharmacies.
Review the full Schedule of Benefits for copays and coinsurance for each service.
Review the current Summary of Benefits and Coverage for exclusions, prior authorization requirements and service-specific limitations.

Insurer

Molina Healthcare plans and claim process

Molina Silver Standard 73 FAQs

What is the individual deductible?

The 2026 Texas Schedule of Benefits lists a $3,000 individual deductible.

What is the family deductible?

The listed family deductible is $6,000.

What is the individual out-of-pocket maximum?

The listed annual individual maximum is $7,400.

What is the family out-of-pocket maximum?

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official Molina Healthcare website before purchasing.