Gold Elite — full price in Jefferson County, Iowa (2026)
Gold Elite (45819IA0010063), a gold plan from Oscar Insurance Company in Jefferson County, Iowa, costs $645.53/month full price for a 40-year-old in 2026 — $1370.86 at 60, with a $550 deductible and $6,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010063 · 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 | $505.12 |
| 27 | $529.35 |
| 30 | $573.30 |
| 40 | $645.53 |
| 50 | $902.12 |
| 60 | $1370.86 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $550
- Family deductible: $1,100
- Individual out-of-pocket max: $6,000
- Family out-of-pocket max: $12,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $524.06/mo. This plan is $645.53/mo at 40 — a difference of $121.47/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 gold plans in Jefferson County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $483.83 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $492.47 |
| Standard Gold | Ambetter Health | $554.32 |
| Everyday Gold | Ambetter Health | $563.08 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $577.81 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010063 in FIPS 19101.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Jefferson County
Reviewed by Jason Burns, Editorial Steward.