Bronze Elite + PCP Saver Plus | MercyOne
Expanded Bronze · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $369.68 and $425.51 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 45819IA0010005 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Expanded Bronze |
| Plan type | EPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $7,000 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $50 |
| Specialist visit | $125 |
| Emergency room | $2,500 |
| Inpatient stay | $3,000 Copay per Day |
| Generic drugs | $3 |
| Preferred brand drugs | $125 Copay after deductible |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service |
Where it is sold, and what it costs there
27 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Plymouth County | $289.28 | $328.32 | $369.68 | $516.63 | $785.07 |
| Woodbury County | $289.28 | $328.32 | $369.68 | $516.63 | $785.07 |
| Dallas County | $293.29 | $332.87 | $374.81 | $523.80 | $795.96 |
| Jasper County | $293.29 | $332.87 | $374.81 | $523.80 | $795.96 |
| Madison County | $293.29 | $332.87 | $374.81 | $523.80 | $795.96 |
| Marion County | $293.29 | $332.87 | $374.81 | $523.80 | $795.96 |
| Polk County | $293.29 | $332.87 | $374.81 | $523.80 | $795.96 |
| Warren County | $293.29 | $332.87 | $374.81 | $523.80 | $795.96 |
| Hamilton County | $295.26 | $335.11 | $377.33 | $527.31 | $801.30 |
| Hardin County | $295.26 | $335.11 | $377.33 | $527.31 | $801.30 |
| Tama County | $295.26 | $335.11 | $377.33 | $527.31 | $801.30 |
| Black Hawk County | $305.04 | $346.21 | $389.83 | $544.78 | $827.85 |
| Clinton County | $305.04 | $346.21 | $389.83 | $544.78 | $827.85 |
| Dubuque County | $305.04 | $346.21 | $389.83 | $544.78 | $827.85 |
| Jackson County | $305.04 | $346.21 | $389.83 | $544.78 | $827.85 |
| Scott County | $305.04 | $346.21 | $389.83 | $544.78 | $827.85 |
| Butler County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Cerro Gordo County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Fayette County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Franklin County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Hancock County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Kossuth County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Mitchell County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Winnebago County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Worth County | $309.77 | $351.58 | $395.88 | $553.24 | $840.70 |
| Adair County | $320.92 | $364.23 | $410.12 | $573.14 | $870.95 |
| Monroe County | $332.96 | $377.90 | $425.51 | $594.65 | $903.64 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.