Silver Classic
Silver · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $555.68 and $639.60 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 | $5,000 | $8,000 | $65 | $3 |
| up to 150% of the federal poverty level | $0 | $1,800 | No Charge | No Charge |
| 150% to 200% | $0 | $3,500 | $20 | $3 |
| 200% to 250% | $4,500 | $7,500 | $30 | $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 | 45819IA0010057 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $5,000 |
| Deductible (family) | $10,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,000 |
| Family maximum | $16,000 |
| Primary care visit | $65 |
| Specialist visit | $100 |
| 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 |
Where it is sold, and what it costs there
48 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 |
|---|---|---|---|---|---|
| Buena Vista County | $434.82 | $493.50 | $555.68 | $776.56 | $1,180.06 |
| Cherokee County | $434.82 | $493.50 | $555.68 | $776.56 | $1,180.06 |
| Ida County | $434.82 | $493.50 | $555.68 | $776.56 | $1,180.06 |
| Monona County | $434.82 | $493.50 | $555.68 | $776.56 | $1,180.06 |
| Palo Alto County | $434.82 | $493.50 | $555.68 | $776.56 | $1,180.06 |
| Sac County | $434.82 | $493.50 | $555.68 | $776.56 | $1,180.06 |
| Sioux County | $434.82 | $493.50 | $555.68 | $776.56 | $1,180.06 |
| Boone County | $443.81 | $503.71 | $567.17 | $792.62 | $1,204.46 |
| Calhoun County | $443.81 | $503.71 | $567.17 | $792.62 | $1,204.46 |
| Carroll County | $443.81 | $503.71 | $567.17 | $792.62 | $1,204.46 |
| Greene County | $443.81 | $503.71 | $567.17 | $792.62 | $1,204.46 |
| Grundy County | $443.81 | $503.71 | $567.17 | $792.62 | $1,204.46 |
| Marshall County | $443.81 | $503.71 | $567.17 | $792.62 | $1,204.46 |
| Poweshiek County | $443.81 | $503.71 | $567.17 | $792.62 | $1,204.46 |
| Benton County | $458.51 | $520.40 | $585.96 | $818.88 | $1,244.37 |
| Buchanan County | $458.51 | $520.40 | $585.96 | $818.88 | $1,244.37 |
| Cedar County | $458.51 | $520.40 | $585.96 | $818.88 | $1,244.37 |
| Clayton County | $458.51 | $520.40 | $585.96 | $818.88 | $1,244.37 |
| Delaware County | $458.51 | $520.40 | $585.96 | $818.88 | $1,244.37 |
| Iowa County | $458.51 | $520.40 | $585.96 | $818.88 | $1,244.37 |
| Jones County | $458.51 | $520.40 | $585.96 | $818.88 | $1,244.37 |
| Bremer County | $465.63 | $528.48 | $595.06 | $831.59 | $1,263.69 |
| Chickasaw County | $465.63 | $528.48 | $595.06 | $831.59 | $1,263.69 |
| Floyd County | $465.63 | $528.48 | $595.06 | $831.59 | $1,263.69 |
| Howard County | $465.63 | $528.48 | $595.06 | $831.59 | $1,263.69 |
| Humboldt County | $465.63 | $528.48 | $595.06 | $831.59 | $1,263.69 |
| Wright County | $465.63 | $528.48 | $595.06 | $831.59 | $1,263.69 |
| Adams County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Audubon County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Cass County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Clarke County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Decatur County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Guthrie County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Harrison County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Mills County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Montgomery County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Pottawattamie County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Ringgold County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Shelby County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Union County | $482.38 | $547.49 | $616.47 | $861.51 | $1,309.15 |
| Appanoose County | $500.48 | $568.04 | $639.60 | $893.85 | $1,358.28 |
| Jefferson County | $500.48 | $568.04 | $639.60 | $893.85 | $1,358.28 |
| Keokuk County | $500.48 | $568.04 | $639.60 | $893.85 | $1,358.28 |
| Lucas County | $500.48 | $568.04 | $639.60 | $893.85 | $1,358.28 |
| Mahaska County | $500.48 | $568.04 | $639.60 | $893.85 | $1,358.28 |
| Van Buren County | $500.48 | $568.04 | $639.60 | $893.85 | $1,358.28 |
| Wapello County | $500.48 | $568.04 | $639.60 | $893.85 | $1,358.28 |
| Wayne County | $500.48 | $568.04 | $639.60 | $893.85 | $1,358.28 |
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.