Silver Classic — full price in Lauderdale County, Tennessee (2026)
Silver Classic (23552TN0020006), a silver plan from Oscar Insurance Company in Lauderdale County, Tennessee, costs $669.94/month full price for a 40-year-old in 2026 — $1422.71 at 60, with a $6,500 deductible and $9,400 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 23552TN0020006 · 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 | $524.22 |
| 27 | $549.37 |
| 30 | $594.98 |
| 40 | $669.94 |
| 50 | $936.24 |
| 60 | $1422.71 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,500
- Family deductible: $13,000
- Individual out-of-pocket max: $9,400
- Family out-of-pocket max: $18,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $654.32/mo. This plan is $669.94/mo at 40 — a difference of $15.62/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 Lauderdale County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter of Tennessee | $646.11 |
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® | BlueCross BlueShield of Tennessee | $654.32 |
| Silver Classic Standard | Oscar Insurance Company | $662.85 |
| Enhanced Diabetes Care Silver with $0 Drug Options | Ambetter of Tennessee | $662.95 |
| Standard Silver + Vision + Adult Dental | Ambetter of Tennessee | $663.89 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 23552TN0020006 in FIPS 47097.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lauderdale County
Reviewed by Jason Burns, Editorial Steward.