Gold Simple — full price in Saint Louis City County, Missouri (2026)
Gold Simple (69512MO0010064), a gold plan from Oscar Insurance Company in Saint Louis City County, Missouri, costs $509.77/month full price for a 40-year-old in 2026 — $1082.57 at 60, with a $3,300 deductible and $9,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 69512MO0010064 · 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 | $398.89 |
| 27 | $418.03 |
| 30 | $452.73 |
| 40 | $509.77 |
| 50 | $712.40 |
| 60 | $1082.57 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,300
- Family deductible: $6,600
- Individual out-of-pocket max: $9,950
- Family out-of-pocket max: $19,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $531.51/mo. This plan is $509.77/mo at 40 — a difference of $-21.74/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.
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Other gold plans in Saint Louis City County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Gold | Ambetter from Home State Health | $512.03 |
| Everyday Gold | Ambetter from Home State Health | $518.03 |
| Gold Classic Standard | Oscar Insurance Company | $520.07 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $526.83 |
| Standard Gold + Vision + Adult Dental | Ambetter from Home State Health | $527.51 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 69512MO0010064 in FIPS 29510.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Louis City County
Reviewed by Jason Burns, Editorial Steward.