Gold Classic — full price in Maricopa County, Arizona (2026)
Gold Classic (13877AZ0070013), a gold plan from Oscar Health Plan, Inc. in Maricopa County, Arizona, costs $552.65/month full price for a 40-year-old in 2026 — $1173.63 at 60, with a $3,500 deductible and $7,750 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 13877AZ0070013 · Issuer: Oscar Health Plan, Inc. · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $432.45 |
| 27 | $453.19 |
| 30 | $490.82 |
| 40 | $552.65 |
| 50 | $772.33 |
| 60 | $1173.63 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $7,750
- Family out-of-pocket max: $15,500
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $483.90/mo. This plan is $552.65/mo at 40 — a difference of $68.75/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Maricopa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Health Plan, Inc. | $541.53 |
| Gold Classic Standard | Oscar Health Plan, Inc. | $545.15 |
| Gold Simple Diabetes | Oscar Health Plan, Inc. | $547.94 |
| Imperial Standard Gold | Imperial Insurance Companies, Inc. | $556.37 |
| Imperial Preferred Gold | Imperial Insurance Companies, Inc. | $563.78 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 13877AZ0070013 in FIPS 04013.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Maricopa County
Reviewed by Jason Burns, Editorial Steward.