Imperial Standard Silver — full price in Santa Cruz County, Arizona (2026)
Imperial Standard Silver (85533AZ0010002), a silver plan from Imperial Insurance Companies, Inc. in Santa Cruz County, Arizona, costs $437.75/month full price for a 40-year-old in 2026 — $929.62 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 | $342.53 |
| 27 | $358.97 |
| 30 | $388.77 |
| 40 | $437.75 |
| 50 | $611.75 |
| 60 | $929.62 |
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 $448.94/mo. This plan is $437.75/mo at 40 — a difference of $-11.19/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 Santa Cruz County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Imperial Preferred Silver | Imperial Insurance Companies, Inc. | $448.94 |
| Silver Simple PCP Saver | Oscar Health Plan, Inc. | $490.56 |
| Silver Classic Standard | Oscar Health Plan, Inc. | $491.03 |
| Silver Simple Diabetes | Oscar Health Plan, Inc. | $498.01 |
| AZ Blue ACA StandardHealth Silver with Health Choice | Blue Cross Blue Shield of Arizona | $500.75 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 85533AZ0010002 in FIPS 04023.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Santa Cruz County
Reviewed by Jason Burns, Editorial Steward.