Secure — full price in Black Hawk County, Iowa (2026)
Secure (45819IA0010058), a catastrophic plan from Oscar Insurance Company in Black Hawk County, Iowa, costs $378.95/month full price for a 40-year-old in 2026 — $804.74 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010058 · Issuer: Oscar Insurance Company · 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 | $296.53 |
| 27 | $310.75 |
| 30 | $336.54 |
| 40 | $378.95 |
| 50 | $529.58 |
| 60 | $804.74 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $10,600
- Family deductible: $21,200
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $477.40/mo. This plan is $378.95/mo at 40 — a difference of $-98.45/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 catastrophic plans in Black Hawk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Secure | MercyOne | Oscar Insurance Company | $316.79 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010058 in FIPS 19013.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Black Hawk County
Reviewed by Jason Burns, Editorial Steward.