Silver Simple Diabetes | MercyOne — full price in Clinton County, Iowa (2026)
Silver Simple Diabetes | MercyOne (45819IA0010045), a silver plan from Oscar Insurance Company in Clinton County, Iowa, costs $485.67/month full price for a 40-year-old in 2026 — $1031.38 at 60, with a $6,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010045 · 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 | $380.03 |
| 27 | $398.26 |
| 30 | $431.32 |
| 40 | $485.67 |
| 50 | $678.72 |
| 60 | $1031.38 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,500
- Family deductible: $13,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $477.40/mo. This plan is $485.67/mo at 40 — a difference of $8.27/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.
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Other silver plans in Clinton County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | MercyOne | Oscar Insurance Company | $476.17 |
| Silver Simple PCP Saver | MercyOne | Oscar Insurance Company | $477.40 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $478.64 |
| Silver Classic | MercyOne | Oscar Insurance Company | $482.34 |
| Standard Silver | Ambetter Health | $486.31 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010045 in FIPS 19045.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clinton County
Reviewed by Jason Burns, Editorial Steward.