Gold Classic — full price in Harris County, Texas (2026)
Gold Classic (20069TX0100055), a gold plan from Oscar Insurance Company in Harris County, Texas, costs $646.92/month full price for a 40-year-old in 2026 — $1373.82 at 60, with a $2,500 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for Harris County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 20069TX0100055 · 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 | $506.21 |
| 27 | $530.49 |
| 30 | $574.53 |
| 40 | $646.92 |
| 50 | $904.07 |
| 60 | $1373.82 |
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 $592.05/mo. This plan is $646.92/mo at 40 — a difference of $54.87/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 20069TX0100055 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.
Source record: privatehealthinsurancedirectanswers.com/plan/tx/harris/20069tx0100055 · Record ID PHI-1WO29P31