Gold Classic Standard | MercyOne
Gold · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $434.75 and $500.41 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 | 45819IA0010053 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Gold |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 |
Where it is sold, and what it costs there
27 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 |
|---|---|---|---|---|---|
| Plymouth County | $340.19 | $386.10 | $434.75 | $607.56 | $923.25 |
| Woodbury County | $340.19 | $386.10 | $434.75 | $607.56 | $923.25 |
| Dallas County | $344.91 | $391.46 | $440.78 | $615.99 | $936.05 |
| Jasper County | $344.91 | $391.46 | $440.78 | $615.99 | $936.05 |
| Madison County | $344.91 | $391.46 | $440.78 | $615.99 | $936.05 |
| Marion County | $344.91 | $391.46 | $440.78 | $615.99 | $936.05 |
| Polk County | $344.91 | $391.46 | $440.78 | $615.99 | $936.05 |
| Warren County | $344.91 | $391.46 | $440.78 | $615.99 | $936.05 |
| Hamilton County | $347.22 | $394.09 | $443.74 | $620.12 | $942.34 |
| Hardin County | $347.22 | $394.09 | $443.74 | $620.12 | $942.34 |
| Tama County | $347.22 | $394.09 | $443.74 | $620.12 | $942.34 |
| Black Hawk County | $358.73 | $407.14 | $458.44 | $640.67 | $973.56 |
| Clinton County | $358.73 | $407.14 | $458.44 | $640.67 | $973.56 |
| Dubuque County | $358.73 | $407.14 | $458.44 | $640.67 | $973.56 |
| Jackson County | $358.73 | $407.14 | $458.44 | $640.67 | $973.56 |
| Scott County | $358.73 | $407.14 | $458.44 | $640.67 | $973.56 |
| Butler County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Cerro Gordo County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Fayette County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Franklin County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Hancock County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Kossuth County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Mitchell County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Winnebago County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Worth County | $364.30 | $413.46 | $465.56 | $650.61 | $988.67 |
| Adair County | $377.40 | $428.34 | $482.31 | $674.02 | $1,024.24 |
| Monroe County | $391.57 | $444.42 | $500.41 | $699.32 | $1,062.68 |
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.