Silver Simple PCP Saver — full price in Wayne County, Iowa (2026)
Silver Simple PCP Saver (45819IA0010061), a silver plan from Oscar Insurance Company in Wayne County, Iowa, costs $630.67/month full price for a 40-year-old in 2026 — $1339.30 at 60, with a $5,000 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010061 · 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 | $493.49 |
| 27 | $517.17 |
| 30 | $560.10 |
| 40 | $630.67 |
| 50 | $881.35 |
| 60 | $1339.30 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,000
- Family deductible: $10,000
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $524.06/mo. This plan is $630.67/mo at 40 — a difference of $106.61/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 silver plans in Wayne County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter Health | $518.28 |
| Focused Silver | Ambetter Health | $524.06 |
| Wellmark Silver Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $528.57 |
| Wellmark Standard Silver HMO | Wellmark Health Plan of Iowa, Inc. | $536.31 |
| Standard Silver + Vision + Adult Dental | Ambetter Health | $540.24 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010061 in FIPS 19185.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Wayne County
Reviewed by Jason Burns, Editorial Steward.