Silver Simple Diabetes — full price in Ray County, Missouri (2026)
Silver Simple Diabetes (69512MO0010045), a silver plan from Oscar Insurance Company in Ray County, Missouri, costs $645.78/month full price for a 40-year-old in 2026 — $1371.40 at 60, with a $6,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69512MO0010045 · 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 | $505.32 |
| 27 | $529.56 |
| 30 | $573.52 |
| 40 | $645.78 |
| 50 | $902.48 |
| 60 | $1371.40 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,500
- Family deductible: $13,000
- 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 $644.51/mo. This plan is $645.78/mo at 40 — a difference of $1.27/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 Ray County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Simple PCP Saver | Oscar Insurance Company | $639.89 |
| Silver Classic Standard | Oscar Insurance Company | $644.51 |
| Silver Simple Women's Health with Menopause Benefits | Oscar Insurance Company | $648.79 |
| Silver Elite Saver Plus | Oscar Insurance Company | $650.86 |
| Blue KC Choice Silver 1 with Spira Care BlueSelect EPO | Blue Cross and Blue Shield of Kansas City | $651.42 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69512MO0010045 in FIPS 29177.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Ray County
Reviewed by Jason Burns, Editorial Steward.