Silver Simple Chronic Care CKM | Cleveland Clinic — full price in Lorain County, Ohio (2026)
Silver Simple Chronic Care CKM | Cleveland Clinic (45845OH0100060), a silver plan from Oscar Insurance Corporation of Ohio in Lorain County, Ohio, costs $727.29/month full price for a 40-year-old in 2026 — $1544.49 at 60, with a $5,900 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 45845OH0100060 · 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 | $569.09 |
| 27 | $596.40 |
| 30 | $645.91 |
| 40 | $727.29 |
| 50 | $1016.38 |
| 60 | $1544.49 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $5,900
- Family deductible: $11,800
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $489.54/mo. This plan is $727.29/mo at 40 — a difference of $237.75/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 Lorain County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Molina Silver Saver with Four Free PCP Visits | Molina Healthcare | $489.29 |
| Molina Silver Smart Heart Health | Molina Healthcare | $489.54 |
| Molina Silver Core | Molina Healthcare | $490.51 |
| Molina Silver Core Plus with Adult Vision | Molina Healthcare | $494.24 |
| Molina Silver Standard | Molina Healthcare | $497.94 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 45845OH0100060 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.