Gold Classic Standard | Cleveland Clinic
Gold · HMO · Oscar Insurance Corporation of Ohio · Ohio
At age 40 it costs between $810.83 and $841.86 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 | 45845OH0100053 |
|---|---|
| Insurer | Oscar Insurance Corporation of Ohio |
| Metal level | Gold |
| Plan type | HMO |
| 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 | 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 | $634.46 | $720.11 | $810.83 | $1,133.14 | $1,721.91 |
| Tuscarawas County | $634.46 | $720.11 | $810.83 | $1,133.14 | $1,721.91 |
| Holmes County | $638.64 | $724.84 | $816.17 | $1,140.59 | $1,733.24 |
| Wayne County | $638.64 | $724.84 | $816.17 | $1,140.59 | $1,733.24 |
| Ashtabula County | $639.60 | $725.93 | $817.39 | $1,142.31 | $1,735.84 |
| Cuyahoga County | $639.60 | $725.93 | $817.39 | $1,142.31 | $1,735.84 |
| Geauga County | $639.60 | $725.93 | $817.39 | $1,142.31 | $1,735.84 |
| Lake County | $639.60 | $725.93 | $817.39 | $1,142.31 | $1,735.84 |
| Lorain County | $639.60 | $725.93 | $817.39 | $1,142.31 | $1,735.84 |
| Carroll County | $643.58 | $730.45 | $822.48 | $1,149.42 | $1,746.65 |
| Stark County | $643.58 | $730.45 | $822.48 | $1,149.42 | $1,746.65 |
| Medina County | $658.74 | $747.66 | $841.86 | $1,176.50 | $1,787.81 |
| Portage County | $658.74 | $747.66 | $841.86 | $1,176.50 | $1,787.81 |
| Summit County | $658.74 | $747.66 | $841.86 | $1,176.50 | $1,787.81 |
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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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.