Secure | MercyOne
Catastrophic · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $300.41 and $345.79 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 | 45819IA0010011 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Catastrophic |
| Plan type | EPO |
| Deductible (individual) | $10,600 |
| Deductible (family) | $21,200 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | No Charge after Deductible |
| Specialist visit | No Charge after Deductible |
| Emergency room | No Charge after Deductible |
| Inpatient stay | No Charge after Deductible |
| Generic drugs | No Charge after Deductible |
| Preferred brand drugs | No Charge after Deductible |
| Specialty drugs | No Charge 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 | $235.08 | $266.80 | $300.41 | $419.83 | $637.97 |
| Woodbury County | $235.08 | $266.80 | $300.41 | $419.83 | $637.97 |
| Dallas County | $238.34 | $270.50 | $304.58 | $425.65 | $646.82 |
| Jasper County | $238.34 | $270.50 | $304.58 | $425.65 | $646.82 |
| Madison County | $238.34 | $270.50 | $304.58 | $425.65 | $646.82 |
| Marion County | $238.34 | $270.50 | $304.58 | $425.65 | $646.82 |
| Polk County | $238.34 | $270.50 | $304.58 | $425.65 | $646.82 |
| Warren County | $238.34 | $270.50 | $304.58 | $425.65 | $646.82 |
| Hamilton County | $239.94 | $272.32 | $306.63 | $428.51 | $651.16 |
| Hardin County | $239.94 | $272.32 | $306.63 | $428.51 | $651.16 |
| Tama County | $239.94 | $272.32 | $306.63 | $428.51 | $651.16 |
| Black Hawk County | $247.89 | $281.34 | $316.79 | $442.71 | $672.74 |
| Clinton County | $247.89 | $281.34 | $316.79 | $442.71 | $672.74 |
| Dubuque County | $247.89 | $281.34 | $316.79 | $442.71 | $672.74 |
| Jackson County | $247.89 | $281.34 | $316.79 | $442.71 | $672.74 |
| Scott County | $247.89 | $281.34 | $316.79 | $442.71 | $672.74 |
| Butler County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Cerro Gordo County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Fayette County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Franklin County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Hancock County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Kossuth County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Mitchell County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Winnebago County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Worth County | $251.73 | $285.71 | $321.70 | $449.58 | $683.18 |
| Adair County | $260.79 | $295.99 | $333.28 | $465.75 | $707.76 |
| Monroe County | $270.58 | $307.09 | $345.79 | $483.23 | $734.32 |
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.