Gold Classic Standard — full price in Miami County, Kansas (2026)
Gold Classic Standard (43490KS0010053), a gold plan from Oscar Insurance Company in Miami County, Kansas, costs $614.28/month full price for a 40-year-old in 2026 — $1304.51 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 43490KS0010053 · 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 | $480.67 |
| 27 | $503.73 |
| 30 | $545.55 |
| 40 | $614.28 |
| 50 | $858.46 |
| 60 | $1304.51 |
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 $579.41/mo. This plan is $614.28/mo at 40 — a difference of $34.87/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 Miami County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Sunflower Health Plan | $609.73 |
| Everyday Gold | Ambetter from Sunflower Health Plan | $617.23 |
| Standard Gold + Vision + Adult Dental | Ambetter from Sunflower Health Plan | $630.02 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Sunflower Health Plan | $637.77 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $681.46 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 43490KS0010053 in FIPS 20121.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Miami County
Reviewed by Jason Burns, Editorial Steward.