Gold Classic Standard | MercyOne — full price in Kossuth County, Iowa (2026)
Gold Classic Standard | MercyOne (45819IA0010053), a gold plan from Oscar Insurance Company in Kossuth County, Iowa, costs $465.56/month full price for a 40-year-old in 2026 — $988.67 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010053 · 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 | $364.30 |
| 27 | $381.77 |
| 30 | $413.46 |
| 40 | $465.56 |
| 50 | $650.61 |
| 60 | $988.67 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $484.81/mo. This plan is $465.56/mo at 40 — a difference of $-19.25/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 gold plans in Kossuth County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Elite | MercyOne | Oscar Insurance Company | $494.18 |
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $531.41 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $540.90 |
| Gold Classic Standard | Oscar Insurance Company | $556.02 |
| Standard Gold | Ambetter Health | $575.41 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010053 in FIPS 19109.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Kossuth County
Reviewed by Jason Burns, Editorial Steward.