Gold Classic
Gold · HMO · Oscar Health Insurance · Ohio
At age 40 it costs between $492.11 and $558.27 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 29341OH0100013 |
|---|---|
| Insurer | Oscar Health Insurance |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $2,250 |
| Deductible (family) | $4,500 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $7,500 |
| Family maximum | $15,000 |
| Primary care visit | $35 |
| Specialist visit | $40 |
| Emergency room | $650 |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $50 |
| 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
31 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 |
|---|---|---|---|---|---|
| Butler County | $385.07 | $437.05 | $492.11 | $687.72 | $1,045.06 |
| Hamilton County | $385.07 | $437.05 | $492.11 | $687.72 | $1,045.06 |
| Warren County | $385.07 | $437.05 | $492.11 | $687.72 | $1,045.06 |
| Brown County | $395.63 | $449.03 | $505.60 | $706.58 | $1,073.71 |
| Clermont County | $395.63 | $449.03 | $505.60 | $706.58 | $1,073.71 |
| Clinton County | $395.63 | $449.03 | $505.60 | $706.58 | $1,073.71 |
| Highland County | $395.63 | $449.03 | $505.60 | $706.58 | $1,073.71 |
| Coshocton County | $414.88 | $470.88 | $530.21 | $740.96 | $1,125.97 |
| Morgan County | $414.88 | $470.88 | $530.21 | $740.96 | $1,125.97 |
| Perry County | $414.88 | $470.88 | $530.21 | $740.96 | $1,125.97 |
| Champaign County | $427.94 | $485.70 | $546.89 | $764.28 | $1,161.40 |
| Clark County | $427.94 | $485.70 | $546.89 | $764.28 | $1,161.40 |
| Darke County | $427.94 | $485.70 | $546.89 | $764.28 | $1,161.40 |
| Greene County | $427.94 | $485.70 | $546.89 | $764.28 | $1,161.40 |
| Miami County | $427.94 | $485.70 | $546.89 | $764.28 | $1,161.40 |
| Montgomery County | $427.94 | $485.70 | $546.89 | $764.28 | $1,161.40 |
| Preble County | $427.94 | $485.70 | $546.89 | $764.28 | $1,161.40 |
| Shelby County | $427.94 | $485.70 | $546.89 | $764.28 | $1,161.40 |
| Vinton County | $428.62 | $486.48 | $547.77 | $765.50 | $1,163.26 |
| Hocking County | $428.71 | $486.58 | $547.88 | $765.67 | $1,163.50 |
| Delaware County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Fairfield County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Fayette County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Franklin County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Licking County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Logan County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Madison County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Pickaway County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Union County | $429.91 | $487.94 | $549.41 | $767.80 | $1,166.75 |
| Lorain County | $432.55 | $490.94 | $552.79 | $772.53 | $1,173.93 |
| Morrow County | $436.84 | $495.81 | $558.27 | $780.18 | $1,185.57 |
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.