Silver Classic Standard Guided Care — full price in El Paso County, Texas (2026)
Silver Classic Standard Guided Care (20069TX0510035), a silver plan from Oscar Insurance Company in El Paso County, Texas, costs $683.54/month full price for a 40-year-old in 2026 — $1451.59 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20069TX0510035 · 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 | $534.86 |
| 27 | $560.52 |
| 30 | $607.06 |
| 40 | $683.54 |
| 50 | $955.24 |
| 60 | $1451.59 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $593.53/mo. This plan is $683.54/mo at 40 — a difference of $90.01/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 El Paso County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| MyBlue Health Silver℠ Standard | Blue Cross and Blue Shield of Texas | $592.60 |
| MyBlue Health Silver℠ 405 | Blue Cross and Blue Shield of Texas | $593.53 |
| Silver Simple Guided Care | Oscar Insurance Company | $651.15 |
| Imperial Standard Silver | Imperial Insurance Companies, Inc. | $652.12 |
| Imperial Preferred Silver | Imperial Insurance Companies, Inc. | $664.34 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0510035 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.