Gold Simple Guided Care — full price in El Paso County, Texas (2026)
Gold Simple Guided Care (20069TX0510025), a gold plan from Oscar Insurance Company in El Paso County, Texas, costs $579.47/month full price for a 40-year-old in 2026 — $1230.57 at 60, with a $3,300 deductible and $9,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20069TX0510025 · 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 | $453.43 |
| 27 | $475.18 |
| 30 | $514.63 |
| 40 | $579.47 |
| 50 | $809.80 |
| 60 | $1230.57 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,300
- Family deductible: $6,600
- Individual out-of-pocket max: $9,950
- Family out-of-pocket max: $19,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $593.53/mo. This plan is $579.47/mo at 40 — a difference of $-14.06/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in El Paso County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MyBlue Health Gold℠ 403 | Blue Cross and Blue Shield of Texas | $513.56 |
| MyBlue Health Gold℠ Standard | Blue Cross and Blue Shield of Texas | $521.26 |
| Gold Classic Standard Guided Care | Oscar Insurance Company | $582.45 |
| Gold Simple Diabetes Guided Care | Oscar Insurance Company | $585.09 |
| Gold Classic Guided Care | Oscar Insurance Company | $591.45 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0510025 in FIPS 48141.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in El Paso County
Reviewed by Jason Burns, Editorial Steward.