Gold Classic Standard — full price in Harris County, Texas (2026)
Gold Classic Standard (20069TX0100053), a gold plan from Oscar Insurance Company in Harris County, Texas, costs $636.97/month full price for a 40-year-old in 2026 — $1352.69 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20069TX0100053 · 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 | $498.42 |
| 27 | $522.34 |
| 30 | $565.70 |
| 40 | $636.97 |
| 50 | $890.16 |
| 60 | $1352.69 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $592.05/mo. This plan is $636.97/mo at 40 — a difference of $44.92/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 Harris 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 | $501.60 |
| Community Ultra Select Gold 021 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | $513.86 |
| Community Ultra Select Gold 022 (No deductible for PCP, Specialist, Urgent Care & Generics, $0 PCP 24/7 Virtual Care Options) | Community Health Choice | $518.79 |
| Standard Gold VALUE | Ambetter from Superior HealthPlan | $541.33 |
| MyBlue Health Gold℠ 403 | Blue Cross and Blue Shield of Texas | $551.20 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0100053 in FIPS 48201.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Harris County
Reviewed by Jason Burns, Editorial Steward.