Silver Classic Standard — full price in Howard County, Iowa (2026)
Silver Classic Standard (45819IA0010066), a silver plan from Oscar Insurance Company in Howard County, Iowa, costs $587.38/month full price for a 40-year-old in 2026 — $1247.38 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010066 · 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 | $459.62 |
| 27 | $481.67 |
| 30 | $521.66 |
| 40 | $587.38 |
| 50 | $820.86 |
| 60 | $1247.38 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $586.74/mo. This plan is $587.38/mo at 40 — a difference of $0.64/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 Howard County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Silver Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $580.55 |
| Silver Simple PCP Saver | Oscar Insurance Company | $586.74 |
| Wellmark Standard Silver HMO | Wellmark Health Plan of Iowa, Inc. | $589.05 |
| Silver Classic | Oscar Insurance Company | $595.06 |
| Silver Simple Diabetes | Oscar Insurance Company | $599.36 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010066 in FIPS 19089.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Howard County
Reviewed by Jason Burns, Editorial Steward.