Silver Classic | MercyOne — full price in Plymouth County, Iowa (2026)
Silver Classic | MercyOne (45819IA0010006), a silver plan from Oscar Insurance Company in Plymouth County, Iowa, costs $457.41/month full price for a 40-year-old in 2026 — $971.37 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 | $357.92 |
| 27 | $375.09 |
| 30 | $406.23 |
| 40 | $457.41 |
| 50 | $639.23 |
| 60 | $971.37 |
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 $452.73/mo. This plan is $457.41/mo at 40 — a difference of $4.68/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 Plymouth County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | MercyOne | Oscar Insurance Company | $451.56 |
| Silver Simple PCP Saver | MercyOne | Oscar Insurance Company | $452.73 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $453.90 |
| Silver Simple Diabetes | MercyOne | Oscar Insurance Company | $460.57 |
| Silver Simple Chronic Care CKM | MercyOne | Oscar Insurance Company | $464.63 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010006 in FIPS 19149.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Plymouth County
Reviewed by Jason Burns, Editorial Steward.