Silver Elite Saver Plus
Silver · EPO · Oscar Insurance Company · Missouri
At age 40 it costs between $564.22 and $692.22 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 | $10,150 | $80 | $3 |
| up to 150% of the federal poverty level | $0 | $1,900 | No Charge | No Charge |
| 150% to 200% | $0 | $3,350 | $20 | $3 |
| 200% to 250% | $0 | $8,450 | $65 | $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 | 69512MO0010030 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $200 |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | $80 |
| Specialist visit | $100 |
| Emergency room | 50% |
| Inpatient stay | 50% |
| Generic drugs | $3 |
| Preferred brand drugs | $125 |
| 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
15 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 |
|---|---|---|---|---|---|
| Lincoln County | $441.50 | $501.09 | $564.22 | $788.49 | $1,198.19 |
| Saint Charles County | $441.50 | $501.09 | $564.22 | $788.49 | $1,198.19 |
| Saint Louis County | $441.50 | $501.09 | $564.22 | $788.49 | $1,198.19 |
| Saint Louis City | $441.50 | $501.09 | $564.22 | $788.49 | $1,198.19 |
| Warren County | $441.50 | $501.09 | $564.22 | $788.49 | $1,198.19 |
| Cass County | $463.88 | $526.49 | $592.83 | $828.47 | $1,258.95 |
| Clay County | $463.88 | $526.49 | $592.83 | $828.47 | $1,258.95 |
| Jackson County | $463.88 | $526.49 | $592.83 | $828.47 | $1,258.95 |
| Platte County | $463.88 | $526.49 | $592.83 | $828.47 | $1,258.95 |
| Clinton County | $509.29 | $578.03 | $650.86 | $909.58 | $1,382.19 |
| Ray County | $509.29 | $578.03 | $650.86 | $909.58 | $1,382.19 |
| Bates County | $541.65 | $614.76 | $692.22 | $967.37 | $1,470.01 |
| Henry County | $541.65 | $614.76 | $692.22 | $967.37 | $1,470.01 |
| Johnson County | $541.65 | $614.76 | $692.22 | $967.37 | $1,470.01 |
| Lafayette County | $541.65 | $614.76 | $692.22 | $967.37 | $1,470.01 |
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.