Gold Classic Standard — full price in Clinton County, Missouri (2026)
Gold Classic Standard (69512MO0010053), a gold plan from Oscar Insurance Company in Clinton County, Missouri, costs $599.94/month full price for a 40-year-old in 2026 — $1274.05 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69512MO0010053 · 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 | $469.45 |
| 27 | $491.97 |
| 30 | $532.81 |
| 40 | $599.94 |
| 50 | $838.41 |
| 60 | $1274.05 |
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 $644.51/mo. This plan is $599.94/mo at 40 — a difference of $-44.57/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 Clinton County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Insurance Company | $588.05 |
| Standard Gold | Ambetter from Home State Health | $743.76 |
| Everyday Gold | Ambetter from Home State Health | $752.47 |
| Standard Gold + Vision + Adult Dental | Ambetter from Home State Health | $766.24 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $771.67 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69512MO0010053 in FIPS 29049.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clinton County
Reviewed by Jason Burns, Editorial Steward.