Silver Classic Standard
Silver · EPO · Oscar Insurance Company · Texas
At age 40 it costs between $664.84 and $878.61 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 20069TX0100052 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Silver |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay 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 | $520.23 | $590.45 | $664.84 | $929.12 | $1,411.88 |
| Austin County | $567.22 | $643.79 | $724.90 | $1,013.04 | $1,539.42 |
| Brazoria County | $567.22 | $643.79 | $724.90 | $1,013.04 | $1,539.42 |
| Fort Bend County | $567.22 | $643.79 | $724.90 | $1,013.04 | $1,539.42 |
| Waller County | $567.22 | $643.79 | $724.90 | $1,013.04 | $1,539.42 |
| Hidalgo County | $570.92 | $647.99 | $729.63 | $1,019.65 | $1,549.46 |
| Atascosa County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| Bandera County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| Bexar County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| Comal County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| Gonzales County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| Guadalupe County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| Kendall County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| La Salle County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| Medina County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| Wilson County | $574.33 | $651.86 | $733.98 | $1,025.74 | $1,558.71 |
| McMullen County | $575.36 | $653.02 | $735.29 | $1,027.57 | $1,561.49 |
| Cameron County | $577.33 | $655.25 | $737.81 | $1,031.09 | $1,566.84 |
| Kenedy County | $577.33 | $655.25 | $737.81 | $1,031.09 | $1,566.84 |
| Willacy County | $577.33 | $655.25 | $737.81 | $1,031.09 | $1,566.84 |
| El Paso County | $582.95 | $661.64 | $745 | $1,041.13 | $1,582.10 |
| Hudspeth County | $582.95 | $661.64 | $745 | $1,041.13 | $1,582.10 |
| Galveston County | $585.79 | $664.86 | $748.62 | $1,046.20 | $1,589.80 |
| Harris County | $585.79 | $664.86 | $748.62 | $1,046.20 | $1,589.80 |
| Cooke County | $597.27 | $677.89 | $763.29 | $1,066.70 | $1,620.95 |
| Collin County | $599.06 | $679.93 | $765.59 | $1,069.91 | $1,625.83 |
| Dallas County | $599.06 | $679.93 | $765.59 | $1,069.91 | $1,625.83 |
| Ellis County | $599.06 | $679.93 | $765.59 | $1,069.91 | $1,625.83 |
| Rockwall County | $599.06 | $679.93 | $765.59 | $1,069.91 | $1,625.83 |
| Jack County | $604.25 | $685.81 | $772.22 | $1,079.17 | $1,639.91 |
| Liberty County | $606.55 | $688.43 | $775.16 | $1,083.29 | $1,646.16 |
| Montgomery County | $606.55 | $688.43 | $775.16 | $1,083.29 | $1,646.16 |
| Walker County | $606.55 | $688.43 | $775.16 | $1,083.29 | $1,646.16 |
| Denton County | $649.96 | $737.69 | $830.63 | $1,160.80 | $1,763.96 |
| Parker County | $649.96 | $737.69 | $830.63 | $1,160.80 | $1,763.96 |
| Tarrant County | $649.96 | $737.69 | $830.63 | $1,160.80 | $1,763.96 |
| Wise County | $649.96 | $737.69 | $830.63 | $1,160.80 | $1,763.96 |
| Bastrop County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| Blanco County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| Burnet County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| Caldwell County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| Hays County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| Lee County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| Llano County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| Travis County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| Williamson County | $670.03 | $760.47 | $856.28 | $1,196.65 | $1,818.43 |
| San Jacinto County | $687.50 | $780.30 | $878.61 | $1,227.85 | $1,865.84 |
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.