Silver Simple PCP Saver — full price in Lafayette County, Missouri (2026)
Silver Simple PCP Saver (69512MO0010025), a silver plan from Oscar Insurance Company in Lafayette County, Missouri, costs $680.54/month full price for a 40-year-old in 2026 — $1445.22 at 60, with a $5,100 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69512MO0010025 · 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 | $532.52 |
| 27 | $558.07 |
| 30 | $604.39 |
| 40 | $680.54 |
| 50 | $951.06 |
| 60 | $1445.22 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,100
- Family deductible: $10,200
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $679.94/mo. This plan is $680.54/mo at 40 — a difference of $0.60/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 Lafayette County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue KC Choice Silver 1 with Spira Care BlueSelect EPO | Blue Cross and Blue Shield of Kansas City | $651.42 |
| Blue KC Standard Silver BlueSelect EPO | Blue Cross and Blue Shield of Kansas City | $679.94 |
| Standard Silver | Ambetter from Home State Health | $684.98 |
| Silver Classic Standard | Oscar Insurance Company | $685.46 |
| Silver Simple Diabetes | Oscar Insurance Company | $686.81 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69512MO0010025 in FIPS 29107.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lafayette County
Reviewed by Jason Burns, Editorial Steward.