Gold Elite | MercyOne — full price in Polk County, Iowa (2026)
Gold Elite | MercyOne (45819IA0010036), a gold plan from Oscar Insurance Company in Polk County, Iowa, costs $467.88/month full price for a 40-year-old in 2026 — $993.60 at 60, with a $550 deductible and $6,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010036 · 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 | $366.11 |
| 27 | $383.67 |
| 30 | $415.52 |
| 40 | $467.88 |
| 50 | $653.86 |
| 60 | $993.60 |
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 $459.01/mo. This plan is $467.88/mo at 40 — a difference of $8.87/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 Polk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellmark Gold Primary Care | UnityPoint Health | Wellmark Health Plan of Iowa, Inc. | $431.94 |
| Gold Classic Standard | MercyOne | Oscar Insurance Company | $440.78 |
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $480.56 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $489.15 |
| Standard Gold | Ambetter Health | $505.63 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010036 in FIPS 19153.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Polk County
Reviewed by Jason Burns, Editorial Steward.