Gold Classic Standard — full price in Milam County, Texas (2026)
Gold Classic Standard (20069TX0100053), a gold plan from Oscar Insurance Company in Milam County, Texas, costs $565.69/month full price for a 40-year-old in 2026 — $1201.31 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 | $442.65 |
| 27 | $463.88 |
| 30 | $502.39 |
| 40 | $565.69 |
| 50 | $790.55 |
| 60 | $1201.31 |
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 $664.84/mo. This plan is $565.69/mo at 40 — a difference of $-99.15/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.
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Other gold plans in Milam County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic | Oscar Insurance Company | $574.52 |
| Gold Elite | Oscar Insurance Company | $586.42 |
| UHC Gold Standard | UnitedHealthcare | $593.92 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $607.77 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | UnitedHealthcare | $609.69 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20069TX0100053 in FIPS 48331.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Milam County
Reviewed by Jason Burns, Editorial Steward.