Gold Elite — full price in Austin County, Texas (2026)
Gold Elite (20069TX0100056), a gold plan from Oscar Insurance Company in Austin County, Texas, costs $639.39/month full price for a 40-year-old in 2026 — $1357.82 at 60, with a $1,200 deductible and $7,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20069TX0100056 · 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 | $500.31 |
| 27 | $524.32 |
| 30 | $567.84 |
| 40 | $639.39 |
| 50 | $893.54 |
| 60 | $1357.82 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,200
- Family deductible: $2,400
- Individual out-of-pocket max: $7,800
- Family out-of-pocket max: $15,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $715.45/mo. This plan is $639.39/mo at 40 — a difference of $-76.06/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 Austin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | Oscar Insurance Company | $616.79 |
| UHC Gold Standard | UnitedHealthcare | $617.49 |
| Gold Classic | Oscar Insurance Company | $626.42 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $631.89 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $633.88 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0100056 in FIPS 48015.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Austin County
Reviewed by Jason Burns, Editorial Steward.