Silver Classic | MercyOne — full price in Hamilton County, Iowa (2026)
Silver Classic | MercyOne (45819IA0010006), a silver plan from Oscar Insurance Company in Hamilton County, Iowa, costs $466.87/month full price for a 40-year-old in 2026 — $991.45 at 60, with a $5,000 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010006 · 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 | $365.32 |
| 27 | $382.85 |
| 30 | $414.63 |
| 40 | $466.87 |
| 50 | $652.45 |
| 60 | $991.45 |
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 $462.09/mo. This plan is $466.87/mo at 40 — a difference of $4.78/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 Hamilton County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | MercyOne | Oscar Insurance Company | $460.90 |
| Silver Simple PCP Saver | MercyOne | Oscar Insurance Company | $462.09 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $463.29 |
| Silver Simple Diabetes | MercyOne | Oscar Insurance Company | $470.09 |
| Silver Simple Chronic Care CKM | MercyOne | Oscar Insurance Company | $474.24 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010006 in FIPS 19079.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hamilton County
Reviewed by Jason Burns, Editorial Steward.