Gold Classic Guided Care — full price in Fort Bend County, Texas (2026)
Gold Classic Guided Care (20069TX0510071), a gold plan from Oscar Insurance Company in Fort Bend County, Texas, costs $579.87/month full price for a 40-year-old in 2026 — $1231.43 at 60, with a $2,500 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20069TX0510071 · 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 | $453.74 |
| 27 | $475.51 |
| 30 | $514.99 |
| 40 | $579.87 |
| 50 | $810.37 |
| 60 | $1231.43 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,500
- Family deductible: $5,000
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $648.75/mo. This plan is $579.87/mo at 40 — a difference of $-68.88/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 Fort Bend County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Community Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | $554.92 |
| Gold Simple Guided Care | Oscar Insurance Company | $568.08 |
| Gold Classic Standard Guided Care | Oscar Insurance Company | $571.02 |
| Gold Simple Diabetes Guided Care | Oscar Insurance Company | $573.63 |
| MyBlue Health Gold℠ 403 | Blue Cross and Blue Shield of Texas | $587.83 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0510071 in FIPS 48157.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Fort Bend County
Reviewed by Jason Burns, Editorial Steward.