Gold Elite — full price in Collin County, Texas (2026)
Gold Elite (20069TX0100056), a gold plan from Oscar Insurance Company in Collin County, Texas, costs $675.28/month full price for a 40-year-old in 2026 — $1434.05 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 | $528.40 |
| 27 | $553.75 |
| 30 | $599.72 |
| 40 | $675.28 |
| 50 | $943.70 |
| 60 | $1434.05 |
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 $670.83/mo. This plan is $675.28/mo at 40 — a difference of $4.45/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 gold plans in Collin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Wellpoint Essential Gold 800 ($0 Virtual PCP + $0 Select Drugs + Incentives) | WellPoint | $588.29 |
| BSW Elite Gold HMO 004 | Baylor Scott and White Health Plan | $589.92 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Baylor Scott and White Health Plan | $589.99 |
| Molina Gold Saver 750 | Molina Healthcare | $590.52 |
| Molina Gold Core 1640 | Molina Healthcare | $590.66 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0100056 in FIPS 48085.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Collin County
Reviewed by Jason Burns, Editorial Steward.