Silver Classic — full price in Guthrie County, Iowa (2026)
Silver Classic (45819IA0010057), a silver plan from Oscar Insurance Company in Guthrie County, Iowa, costs $616.47/month full price for a 40-year-old in 2026 — $1309.15 at 60, with a $5,000 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010057 · 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 | $482.38 |
| 27 | $505.52 |
| 30 | $547.49 |
| 40 | $616.47 |
| 50 | $861.51 |
| 60 | $1309.15 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,000
- Family deductible: $10,000
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $608.52/mo. This plan is $616.47/mo at 40 — a difference of $7.95/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 Guthrie County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | Oscar Insurance Company | $607.85 |
| Silver Classic Standard | Oscar Insurance Company | $608.52 |
| Wellmark Silver Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $611.94 |
| UHC Silver Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $614.86 |
| UHC Silver Standard (No Referrals) | UnitedHealthcare | $615.94 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010057 in FIPS 19077.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Guthrie County
Reviewed by Jason Burns, Editorial Steward.