Gold Classic — full price in Llano County, Texas (2026)
Gold Classic (20069TX0100055), a gold plan from Oscar Insurance Company in Llano County, Texas, costs $739.95/month full price for a 40-year-old in 2026 — $1571.39 at 60, with a $2,500 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
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 | $579.00 |
| 27 | $606.79 |
| 30 | $657.16 |
| 40 | $739.95 |
| 50 | $1034.08 |
| 60 | $1571.39 |
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 $699.34/mo. This plan is $739.95/mo at 40 — a difference of $40.61/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 Llano County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BSW Elite Gold HMO 004 | Baylor Scott and White Health Plan | $583.79 |
| BSW Elite Gold HMO 001 (CMS Standardized Plan with $0 Pediatric PCP copay) | Baylor Scott and White Health Plan | $583.86 |
| UHC Gold Standard | UnitedHealthcare | $597.51 |
| BSW Elite Gold HMO 012 | Baylor Scott and White Health Plan | $609.63 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $611.45 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0100055 in FIPS 48299.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Llano County
Reviewed by Jason Burns, Editorial Steward.