Gold Classic Standard
Gold · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $519.23 and $597.65 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 | 45819IA0010067 |
|---|---|
| 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
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 | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Cherokee County | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Ida County | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Monona County | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Palo Alto County | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Plymouth County | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Sac County | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Sioux County | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Woodbury County | $406.29 | $461.13 | $519.23 | $725.62 | $1,102.65 |
| Dallas County | $411.93 | $467.53 | $526.43 | $735.68 | $1,117.94 |
| Jasper County | $411.93 | $467.53 | $526.43 | $735.68 | $1,117.94 |
| Madison County | $411.93 | $467.53 | $526.43 | $735.68 | $1,117.94 |
| Marion County | $411.93 | $467.53 | $526.43 | $735.68 | $1,117.94 |
| Polk County | $411.93 | $467.53 | $526.43 | $735.68 | $1,117.94 |
| Warren County | $411.93 | $467.53 | $526.43 | $735.68 | $1,117.94 |
| Boone County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Calhoun County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Carroll County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Greene County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Grundy County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Hamilton County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Hardin County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Marshall County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Poweshiek County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Tama County | $414.69 | $470.66 | $529.96 | $740.62 | $1,125.45 |
| Benton County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Black Hawk County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Buchanan County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Cedar County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Clayton County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Clinton County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Delaware County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Dubuque County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Iowa County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Jackson County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Jones County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Scott County | $428.43 | $486.26 | $547.52 | $765.16 | $1,162.73 |
| Bremer County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Butler County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Cerro Gordo County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Chickasaw County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Fayette County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Floyd County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Franklin County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Hancock County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Howard County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Humboldt County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Kossuth County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Mitchell County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Winnebago County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Worth County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Wright County | $435.08 | $493.81 | $556.02 | $777.04 | $1,180.78 |
| Adair County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Adams County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Audubon County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Cass County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Clarke County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Decatur County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Guthrie County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Harrison County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Mills County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Montgomery County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Pottawattamie County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Ringgold County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Shelby County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Union County | $450.74 | $511.57 | $576.03 | $805 | $1,223.27 |
| Appanoose County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
| Jefferson County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
| Keokuk County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
| Lucas County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
| Mahaska County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
| Monroe County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
| Van Buren County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
| Wapello County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
| Wayne County | $467.65 | $530.77 | $597.65 | $835.21 | $1,269.18 |
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.
Get told when this changes
When this plan’s price or benefits change.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
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.