Silver Elite Saver Plus
Silver · HMO · Oscar Health Insurance · Ohio
At age 40 it costs between $489.25 and $555.03 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 | $0 | $9,750 | $60 | $3 |
| up to 150% of the federal poverty level | $0 | $1,700 | No Charge | No Charge |
| 150% to 200% | $0 | $3,100 | $15 | $3 |
| 200% to 250% | $0 | $8,000 | $60 | $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 | 29341OH0100030 |
|---|---|
| Insurer | Oscar Health Insurance |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $750 |
| Most you could pay in a year | $9,750 |
| Family maximum | $19,500 |
| Primary care visit | $60 |
| Specialist visit | $100 |
| Emergency room | 50% |
| Inpatient stay | 50% |
| Generic drugs | $3 |
| Preferred brand drugs | $185 Copay after deductible |
| 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 | $382.83 | $434.51 | $489.25 | $683.72 | $1,038.98 |
| Hamilton County | $382.83 | $434.51 | $489.25 | $683.72 | $1,038.98 |
| Warren County | $382.83 | $434.51 | $489.25 | $683.72 | $1,038.98 |
| Brown County | $393.33 | $446.42 | $502.66 | $702.47 | $1,067.47 |
| Clermont County | $393.33 | $446.42 | $502.66 | $702.47 | $1,067.47 |
| Clinton County | $393.33 | $446.42 | $502.66 | $702.47 | $1,067.47 |
| Highland County | $393.33 | $446.42 | $502.66 | $702.47 | $1,067.47 |
| Coshocton County | $412.47 | $468.14 | $527.13 | $736.66 | $1,119.42 |
| Morgan County | $412.47 | $468.14 | $527.13 | $736.66 | $1,119.42 |
| Perry County | $412.47 | $468.14 | $527.13 | $736.66 | $1,119.42 |
| Champaign County | $425.45 | $482.87 | $543.71 | $759.84 | $1,154.64 |
| Clark County | $425.45 | $482.87 | $543.71 | $759.84 | $1,154.64 |
| Darke County | $425.45 | $482.87 | $543.71 | $759.84 | $1,154.64 |
| Greene County | $425.45 | $482.87 | $543.71 | $759.84 | $1,154.64 |
| Miami County | $425.45 | $482.87 | $543.71 | $759.84 | $1,154.64 |
| Montgomery County | $425.45 | $482.87 | $543.71 | $759.84 | $1,154.64 |
| Preble County | $425.45 | $482.87 | $543.71 | $759.84 | $1,154.64 |
| Shelby County | $425.45 | $482.87 | $543.71 | $759.84 | $1,154.64 |
| Vinton County | $426.13 | $483.65 | $544.58 | $761.05 | $1,156.49 |
| Hocking County | $426.22 | $483.75 | $544.70 | $761.21 | $1,156.74 |
| Delaware County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Fairfield County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Fayette County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Franklin County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Licking County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Logan County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Madison County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Pickaway County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Union County | $427.41 | $485.10 | $546.22 | $763.34 | $1,159.97 |
| Lorain County | $430.04 | $488.08 | $549.58 | $768.03 | $1,167.10 |
| Morrow County | $434.30 | $492.92 | $555.03 | $775.65 | $1,178.67 |
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.