Gold Elite Saver Plus with Adult Dental & Vision
Starting at
$730
/month before subsidy
Gold Elite Saver Plus with Adult Dental & Vision is a 2027 Gold EPO health insurance plan from Oscar Insurance Company, sold on the ACA Marketplace in Tennessee under plan ID 23552TN0020080. The monthly premium starts at $730 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $11,400 ($22,800 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 23552TN0020080
- Plan year
- 2027
- State
- Tennessee
- Metal level
- Gold
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$11,400
Family: $22,800
Coinsurance
40%
You pay after deductible
Network Type
EPO
TNN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$4,500
your estimated cost
- Deductible
- $0
- Copays
- $0
- Coinsurance
- $4,500
Managing type 2 diabetes
A year of routine care
$2,400
your estimated cost
- Deductible
- $0
- Copays
- $300
- Coinsurance
- $2,100
A simple fracture
ER visit + follow-up
$1,100
your estimated cost
- Deductible
- $0
- Copays
- $100
- Coinsurance
- $1,000
Enter your ZIP code first to search nearby doctors.
This Gold EPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,680/month
Annual Premium
$8,760
OOP Maximum
$11,400
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $11,400 total. Then insurance covers everything else for the year.
More plans from Oscar Insurance Company in Tennessee
- Bronze Classic Standardfrom $611/mo
- Bronze Elite + PCP Saver Plusfrom $633/mo
- Bronze Elite + PCP Saver Plus with Adult Dental & Visionfrom $648/mo
- Bronze Simplefrom $581/mo
- Bronze Simple Breathe Easy with Enhanced COPD Benefitsfrom $621/mo
- Bronze Simple Chronic Care CKMfrom $631/mo
- Bronze Simple Diabetesfrom $620/mo
- Bronze Simple Diabetes with Adult Dental & Visionfrom $635/mo
Frequently asked questions about Gold Elite Saver Plus with Adult Dental & Vision
How much does Gold Elite Saver Plus with Adult Dental & Vision cost per month?
Gold Elite Saver Plus with Adult Dental & Vision from Oscar Insurance Company starts at $730 per month before any subsidy in Tennessee. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Gold Elite Saver Plus with Adult Dental & Vision?
The individual medical deductible is $0. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Gold Elite Saver Plus with Adult Dental & Vision?
The most you would pay in a year for covered in-network care is $11,400 for an individual and $22,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Gold Elite Saver Plus with Adult Dental & Vision HSA-eligible?
No. Gold Elite Saver Plus with Adult Dental & Vision is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Gold Elite Saver Plus with Adult Dental & Vision use?
Gold Elite Saver Plus with Adult Dental & Vision is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.