Silver Classic Standard
Silver · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $548.51 and $631.35 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 | 45819IA0010066 |
|---|---|
| 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 |
Where it is sold, and what it costs there
75 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 | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Cherokee County | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Ida County | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Monona County | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Palo Alto County | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Plymouth County | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Sac County | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Sioux County | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Woodbury County | $429.21 | $487.14 | $548.51 | $766.54 | $1,164.84 |
| Dallas County | $435.16 | $493.89 | $556.12 | $777.18 | $1,181 |
| Jasper County | $435.16 | $493.89 | $556.12 | $777.18 | $1,181 |
| Madison County | $435.16 | $493.89 | $556.12 | $777.18 | $1,181 |
| Marion County | $435.16 | $493.89 | $556.12 | $777.18 | $1,181 |
| Polk County | $435.16 | $493.89 | $556.12 | $777.18 | $1,181 |
| Warren County | $435.16 | $493.89 | $556.12 | $777.18 | $1,181 |
| Boone County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Calhoun County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Carroll County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Greene County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Grundy County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Hamilton County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Hardin County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Marshall County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Poweshiek County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Tama County | $438.08 | $497.21 | $559.85 | $782.39 | $1,188.92 |
| Benton County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Black Hawk County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Buchanan County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Cedar County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Clayton County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Clinton County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Delaware County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Dubuque County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Iowa County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Jackson County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Jones County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Scott County | $452.59 | $513.68 | $578.40 | $808.32 | $1,228.31 |
| Bremer County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Butler County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Cerro Gordo County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Chickasaw County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Fayette County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Floyd County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Franklin County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Hancock County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Howard County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Humboldt County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Kossuth County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Mitchell County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Winnebago County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Worth County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Wright County | $459.62 | $521.66 | $587.38 | $820.86 | $1,247.38 |
| Adair County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Adams County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Audubon County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Cass County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Clarke County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Decatur County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Guthrie County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Harrison County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Mills County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Montgomery County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Pottawattamie County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Ringgold County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Shelby County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Union County | $476.16 | $540.43 | $608.52 | $850.40 | $1,292.26 |
| Appanoose County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
| Jefferson County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
| Keokuk County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
| Lucas County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
| Mahaska County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
| Monroe County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
| Van Buren County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
| Wapello County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
| Wayne County | $494.03 | $560.71 | $631.35 | $882.31 | $1,340.76 |
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.