Silver Classic
Silver · EPO · Oscar Insurance Company · Texas
At age 40 it costs between $673.83 and $890.49 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $5,500 | $8,900 | $35 | $3 |
| up to 150% of the federal poverty level | $0 | $1,900 | No Charge | No Charge |
| 150% to 200% | $0 | $3,150 | $20 | $3 |
| 200% to 250% | $4,300 | $7,500 | $35 | $3 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 20069TX0100006 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $5,500 |
| Deductible (family) | $11,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $35 |
| Specialist visit | $60 |
| Emergency room | $750 Copay after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-855-672-2755 |
Where it is sold, and what it costs there
47 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Milam County | $527.26 | $598.43 | $673.83 | $941.68 | $1,430.97 |
| Austin County | $574.89 | $652.49 | $734.70 | $1,026.74 | $1,560.23 |
| Brazoria County | $574.89 | $652.49 | $734.70 | $1,026.74 | $1,560.23 |
| Fort Bend County | $574.89 | $652.49 | $734.70 | $1,026.74 | $1,560.23 |
| Waller County | $574.89 | $652.49 | $734.70 | $1,026.74 | $1,560.23 |
| Hidalgo County | $578.64 | $656.75 | $739.49 | $1,033.44 | $1,570.41 |
| Atascosa County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| Bandera County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| Bexar County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| Comal County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| Gonzales County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| Guadalupe County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| Kendall County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| La Salle County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| Medina County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| Wilson County | $582.10 | $660.67 | $743.91 | $1,039.61 | $1,579.78 |
| McMullen County | $583.13 | $661.85 | $745.23 | $1,041.46 | $1,582.60 |
| Cameron County | $585.13 | $664.11 | $747.78 | $1,045.03 | $1,588.02 |
| Kenedy County | $585.13 | $664.11 | $747.78 | $1,045.03 | $1,588.02 |
| Willacy County | $585.13 | $664.11 | $747.78 | $1,045.03 | $1,588.02 |
| El Paso County | $590.83 | $670.58 | $755.07 | $1,055.20 | $1,603.48 |
| Hudspeth County | $590.83 | $670.58 | $755.07 | $1,055.20 | $1,603.48 |
| Galveston County | $593.70 | $673.84 | $758.74 | $1,060.34 | $1,611.29 |
| Harris County | $593.70 | $673.84 | $758.74 | $1,060.34 | $1,611.29 |
| Cooke County | $605.34 | $687.05 | $773.61 | $1,081.12 | $1,642.87 |
| Collin County | $607.16 | $689.12 | $775.94 | $1,084.37 | $1,647.81 |
| Dallas County | $607.16 | $689.12 | $775.94 | $1,084.37 | $1,647.81 |
| Ellis County | $607.16 | $689.12 | $775.94 | $1,084.37 | $1,647.81 |
| Rockwall County | $607.16 | $689.12 | $775.94 | $1,084.37 | $1,647.81 |
| Jack County | $612.42 | $695.08 | $782.66 | $1,093.76 | $1,662.08 |
| Liberty County | $614.75 | $697.73 | $785.64 | $1,097.93 | $1,668.41 |
| Montgomery County | $614.75 | $697.73 | $785.64 | $1,097.93 | $1,668.41 |
| Walker County | $614.75 | $697.73 | $785.64 | $1,097.93 | $1,668.41 |
| Denton County | $658.74 | $747.66 | $841.86 | $1,176.50 | $1,787.80 |
| Parker County | $658.74 | $747.66 | $841.86 | $1,176.50 | $1,787.80 |
| Tarrant County | $658.74 | $747.66 | $841.86 | $1,176.50 | $1,787.80 |
| Wise County | $658.74 | $747.66 | $841.86 | $1,176.50 | $1,787.80 |
| Bastrop County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Blanco County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Burnet County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Caldwell County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Hays County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Lee County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Llano County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Travis County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| Williamson County | $679.08 | $770.75 | $867.86 | $1,212.83 | $1,843.01 |
| San Jacinto County | $696.79 | $790.85 | $890.49 | $1,244.45 | $1,891.06 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.