Gold Elite Saver Plus — full price in Muskegon County, Michigan (2026)
Gold Elite Saver Plus (77739MI0070035), a gold plan from Oscar Insurance Company in Muskegon County, Michigan, costs $534.23/month full price for a 40-year-old in 2026 — $1134.51 at 60, with a $0 deductible and $8,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 77739MI0070035 · 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 | $418.03 |
| 27 | $438.09 |
| 30 | $474.46 |
| 40 | $534.23 |
| 50 | $746.59 |
| 60 | $1134.51 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $8,600
- Family out-of-pocket max: $17,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $471.47/mo. This plan is $534.23/mo at 40 — a difference of $62.76/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 gold plans in Muskegon County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Insurance Company | $485.54 |
| Standard Gold | Ambetter from Meridian | $628.79 |
| Everyday Gold | Ambetter from Meridian | $638.59 |
| Standard Gold + Vision + Adult Dental | Ambetter from Meridian | $651.92 |
| Everyday Gold + Vision + Adult Dental | Ambetter from Meridian | $662.08 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 77739MI0070035 in FIPS 26121.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Muskegon County
Reviewed by Jason Burns, Editorial Steward.