Silver Simple PCP Saver | MercyOne — full price in Hardin County, Iowa (2026)
Silver Simple PCP Saver | MercyOne (45819IA0010025), a silver plan from Oscar Insurance Company in Hardin County, Iowa, costs $462.09/month full price for a 40-year-old in 2026 — $981.30 at 60, with a $5,000 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010025 · 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 | $361.58 |
| 27 | $378.93 |
| 30 | $410.38 |
| 40 | $462.09 |
| 50 | $645.77 |
| 60 | $981.30 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,000
- Family deductible: $10,000
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $460.90/mo. This plan is $462.09/mo at 40 — a difference of $1.19/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 Hardin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter Health | $459.22 |
| Silver Classic Standard | MercyOne | Oscar Insurance Company | $460.90 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $463.29 |
| Focused Silver | Ambetter Health | $464.34 |
| Silver Classic | MercyOne | Oscar Insurance Company | $466.87 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010025 in FIPS 19083.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hardin County
Reviewed by Jason Burns, Editorial Steward.