Bronze Classic 4700 — full price in Clay County, Missouri (2026)
Bronze Classic 4700 (69512MO0010024), a expanded bronze plan from Oscar Insurance Company in Clay County, Missouri, costs $460.32/month full price for a 40-year-old in 2026 — $977.55 at 60, with a $4,700 deductible and $9,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69512MO0010024 · 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 | $360.20 |
| 27 | $377.48 |
| 30 | $408.81 |
| 40 | $460.32 |
| 50 | $643.30 |
| 60 | $977.55 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,700
- Family deductible: $9,400
- Individual out-of-pocket max: $9,800
- Family out-of-pocket max: $19,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $580.77/mo. This plan is $460.32/mo at 40 — a difference of $-120.45/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 expanded bronze plans in Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Expanded Bronze | Ambetter from Home State Health | $442.25 |
| Everyday Bronze | Ambetter from Home State Health | $443.23 |
| Bronze Classic Standard | Oscar Insurance Company | $452.29 |
| Standard Expanded Bronze + Vision + Adult Dental | Ambetter from Home State Health | $455.62 |
| Everyday Bronze + Vision + Adult Dental | Ambetter from Home State Health | $456.62 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69512MO0010024 in FIPS 29047.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.