Bronze Classic 4700 | MercyOne
Expanded Bronze · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $348 and $400.56 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 | 45819IA0010024 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Expanded Bronze |
| Plan type | EPO |
| Deductible (individual) | $4,700 |
| Deductible (family) | $9,400 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,300 |
| Family maximum | $18,600 |
| Primary care visit | $70 |
| Specialist visit | $125 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | 50% Coinsurance 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 | $272.31 | $309.06 | $348 | $486.33 | $739.03 |
| Woodbury County | $272.31 | $309.06 | $348 | $486.33 | $739.03 |
| Dallas County | $276.09 | $313.35 | $352.83 | $493.08 | $749.28 |
| Jasper County | $276.09 | $313.35 | $352.83 | $493.08 | $749.28 |
| Madison County | $276.09 | $313.35 | $352.83 | $493.08 | $749.28 |
| Marion County | $276.09 | $313.35 | $352.83 | $493.08 | $749.28 |
| Polk County | $276.09 | $313.35 | $352.83 | $493.08 | $749.28 |
| Warren County | $276.09 | $313.35 | $352.83 | $493.08 | $749.28 |
| Hamilton County | $277.94 | $315.45 | $355.20 | $496.39 | $754.31 |
| Hardin County | $277.94 | $315.45 | $355.20 | $496.39 | $754.31 |
| Tama County | $277.94 | $315.45 | $355.20 | $496.39 | $754.31 |
| Black Hawk County | $287.15 | $325.91 | $366.97 | $512.83 | $779.30 |
| Clinton County | $287.15 | $325.91 | $366.97 | $512.83 | $779.30 |
| Dubuque County | $287.15 | $325.91 | $366.97 | $512.83 | $779.30 |
| Jackson County | $287.15 | $325.91 | $366.97 | $512.83 | $779.30 |
| Scott County | $287.15 | $325.91 | $366.97 | $512.83 | $779.30 |
| Butler County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Cerro Gordo County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Fayette County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Franklin County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Hancock County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Kossuth County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Mitchell County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Winnebago County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Worth County | $291.61 | $330.97 | $372.66 | $520.80 | $791.40 |
| Adair County | $302.10 | $342.87 | $386.07 | $539.53 | $819.87 |
| Monroe County | $313.44 | $355.74 | $400.56 | $559.78 | $850.64 |
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.