Silver Classic Standard | MercyOne — full price in Winnebago County, Iowa (2026)
Silver Classic Standard | MercyOne (45819IA0010052), a silver plan from Oscar Insurance Company in Winnebago County, Iowa, costs $483.56/month full price for a 40-year-old in 2026 — $1026.91 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45819IA0010052 · 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 | $378.38 |
| 27 | $396.54 |
| 30 | $429.45 |
| 40 | $483.56 |
| 50 | $675.78 |
| 60 | $1026.91 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $484.81/mo. This plan is $483.56/mo at 40 — a difference of $-1.25/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other silver plans in Winnebago County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | MercyOne | Oscar Insurance Company | $484.81 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MercyOne | Oscar Insurance Company | $486.07 |
| Silver Classic | MercyOne | Oscar Insurance Company | $489.82 |
| Silver Simple Diabetes | MercyOne | Oscar Insurance Company | $493.21 |
| Silver Simple Chronic Care CKM | MercyOne | Oscar Insurance Company | $497.55 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45819IA0010052 in FIPS 19189.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Winnebago County
Reviewed by Jason Burns, Editorial Steward.