Imperial Standard Silver — full price in Maricopa County, Arizona (2026)
Imperial Standard Silver (85533AZ0010002), a silver plan from Imperial Insurance Companies, Inc. in Maricopa County, Arizona, costs $471.85/month full price for a 40-year-old in 2026 — $1002.03 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 85533AZ0010002 · Issuer: Imperial Insurance Companies, 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 | $369.21 |
| 27 | $386.93 |
| 30 | $419.05 |
| 40 | $471.85 |
| 50 | $659.40 |
| 60 | $1002.03 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $483.90/mo. This plan is $471.85/mo at 40 — a difference of $-12.05/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 silver plans in Maricopa County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Imperial Preferred Silver | Imperial Insurance Companies, Inc. | $483.90 |
| Silver Simple PCP Saver | Oscar Health Plan, Inc. | $491.70 |
| Silver Classic Standard | Oscar Health Plan, Inc. | $492.17 |
| Silver Simple Diabetes | Oscar Health Plan, Inc. | $499.17 |
| Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Antidote Health Plan of Arizona, Inc. | $500.34 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 85533AZ0010002 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.