Silver Elite Saver Plus | Cleveland Clinic
Silver · HMO · Oscar Insurance Corporation of Ohio · Ohio
At age 40 it costs between $741.18 and $769.54 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 | 45845OH0100030 |
|---|---|
| Insurer | Oscar Insurance Corporation of Ohio |
| 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
14 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 |
|---|---|---|---|---|---|
| Harrison County | $579.96 | $658.24 | $741.18 | $1,035.79 | $1,573.99 |
| Tuscarawas County | $579.96 | $658.24 | $741.18 | $1,035.79 | $1,573.99 |
| Holmes County | $583.78 | $662.57 | $746.05 | $1,042.61 | $1,584.34 |
| Wayne County | $583.78 | $662.57 | $746.05 | $1,042.61 | $1,584.34 |
| Ashtabula County | $584.65 | $663.57 | $747.18 | $1,044.17 | $1,586.72 |
| Cuyahoga County | $584.65 | $663.57 | $747.18 | $1,044.17 | $1,586.72 |
| Geauga County | $584.65 | $663.57 | $747.18 | $1,044.17 | $1,586.72 |
| Lake County | $584.65 | $663.57 | $747.18 | $1,044.17 | $1,586.72 |
| Lorain County | $584.65 | $663.57 | $747.18 | $1,044.17 | $1,586.72 |
| Carroll County | $588.29 | $667.70 | $751.83 | $1,050.68 | $1,596.60 |
| Stark County | $588.29 | $667.70 | $751.83 | $1,050.68 | $1,596.60 |
| Medina County | $602.16 | $683.43 | $769.54 | $1,075.43 | $1,634.22 |
| Portage County | $602.16 | $683.43 | $769.54 | $1,075.43 | $1,634.22 |
| Summit County | $602.16 | $683.43 | $769.54 | $1,075.43 | $1,634.22 |
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.
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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.