Silver Simple Diabetes — full price in Rutherford County, Tennessee (2026)
Silver Simple Diabetes (23552TN0020055), a silver plan from Oscar Insurance Company in Rutherford County, Tennessee, costs $753.27/month full price for a 40-year-old in 2026 — $1599.68 at 60, with a $6,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 23552TN0020055 · 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 | $589.43 |
| 27 | $617.71 |
| 30 | $668.99 |
| 40 | $753.27 |
| 50 | $1052.70 |
| 60 | $1599.68 |
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 $752.48/mo. This plan is $753.27/mo at 40 — a difference of $0.79/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 Rutherford County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver Classic Standard | Oscar Insurance Company | $750.75 |
| Silver Simple PCP Saver | Oscar Insurance Company | $752.48 |
| Silver Simple Women's Health with Menopause Benefits | Oscar Insurance Company | $753.85 |
| Silver Simple Chronic Care CKM | Oscar Insurance Company | $755.08 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | Oscar Insurance Company | $755.69 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 23552TN0020055 in FIPS 47149.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Rutherford County
Reviewed by Jason Burns, Editorial Steward.