Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne — full price in Franklin County, Iowa (2026)
Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne (45819IA0010076), a silver plan from Oscar Insurance Company in Franklin County, Iowa, costs $486.07/month full price for a 40-year-old in 2026 — $1032.23 at 60, with a $6,200 deductible and $9,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010076 · 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 | $380.35 |
| 27 | $398.59 |
| 30 | $431.68 |
| 40 | $486.07 |
| 50 | $679.28 |
| 60 | $1032.23 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,200
- Family deductible: $12,400
- Individual out-of-pocket max: $9,600
- Family out-of-pocket max: $19,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $484.81/mo. This plan is $486.07/mo at 40 — a difference of $1.26/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 Franklin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | MercyOne | Oscar Insurance Company | $483.56 |
| Silver Simple PCP Saver | MercyOne | Oscar Insurance Company | $484.81 |
| Silver Classic | MercyOne | Oscar Insurance Company | $489.82 |
| Silver Simple Diabetes | MercyOne | Oscar Insurance Company | $493.21 |
| Silver Simple Chronic Care CKM | MercyOne | Oscar Insurance Company | $497.55 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010076 in FIPS 19069.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Franklin County
Reviewed by Jason Burns, Editorial Steward.