Silver Elite Saver Plus
Starting at
$489
/month before subsidy
Silver Elite Saver Plus is a 2026 Silver HMO health insurance plan from Oscar Health Insurance, sold on the ACA Marketplace in Ohio under plan ID 29341OH0100030. The monthly premium starts at $489 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 $9,750 ($19,500 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 29341OH0100030
- Plan year
- 2026
- State
- Ohio
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$9,750
Family: $19,500
Coinsurance
50%
You pay after deductible
Network Type
HMO
OHN001
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
$5,400
your estimated cost
- Deductible
- $0
- Copays
- $400
- Coinsurance
- $5,000
Managing type 2 diabetes
A year of routine care
$4,150
your estimated cost
- Deductible
- $750
- Copays
- $3,400
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,600
your estimated cost
- Deductible
- $0
- Copays
- $500
- Coinsurance
- $1,100
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This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,302/month
Annual Premium
$5,868
OOP Maximum
$9,750
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,750 total. Then insurance covers everything else for the year.
More plans from Oscar Health Insurance in Ohio
- Bronze Classic 4700from $361/mo
- Bronze Classic Standardfrom $356/mo
- Bronze Elite + PCP Saver Plusfrom $386/mo
- Bronze Simple Breathe Easy with Enhanced COPD Benefitsfrom $365/mo
- Bronze Simple Chronic Care CKMfrom $368/mo
- Bronze Simple Diabetesfrom $363/mo
- Silver Classic Standardfrom $482/mo
- Silver Simple Breathe Easy with Enhanced COPD Benefitsfrom $484/mo
Frequently asked questions about Silver Elite Saver Plus
How much does Silver Elite Saver Plus cost per month?
Silver Elite Saver Plus from Oscar Health Insurance starts at $489 per month before any subsidy in Ohio. 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 Silver Elite Saver Plus?
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 Silver Elite Saver Plus?
The most you would pay in a year for covered in-network care is $9,750 for an individual and $19,500 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Silver Elite Saver Plus HSA-eligible?
No. Silver Elite Saver Plus 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 Silver Elite Saver Plus use?
Silver Elite Saver Plus is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
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
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.