Bronze Classic PCP Saver | Cleveland Clinic — full price in Lorain County, Ohio (2026)
Bronze Classic PCP Saver | Cleveland Clinic (45845OH0100002), a expanded bronze plan from Oscar Insurance Corporation of Ohio in Lorain County, Ohio, costs $656.57/month full price for a 40-year-old in 2026 — $1394.31 at 60, with a $7,750 deductible and $9,750 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45845OH0100002 · Issuer: Oscar Insurance Corporation of Ohio · 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 | $513.76 |
| 27 | $538.41 |
| 30 | $583.10 |
| 40 | $656.57 |
| 50 | $917.55 |
| 60 | $1394.31 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,750
- Family deductible: $15,500
- Individual out-of-pocket max: $9,750
- Family out-of-pocket max: $19,500
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $489.54/mo. This plan is $656.57/mo at 40 — a difference of $167.03/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 expanded bronze plans in Lorain County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Antidote Health Plan of Ohio, Inc. | $399.00 |
| Bronze Classic Standard | Oscar Health Insurance | $399.73 |
| Bronze Classic 4700 | Oscar Health Insurance | $405.21 |
| Bronze Simple Diabetes | Oscar Health Insurance | $408.27 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | Oscar Health Insurance | $410.16 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45845OH0100002 in FIPS 39093.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lorain County
Reviewed by Jason Burns, Editorial Steward.