Bronze Classic Standard | MercyOne
Expanded Bronze · EPO · Oscar Insurance Company · Iowa
At age 40 it costs between $337.92 and $388.96 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 | 45819IA0010050 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Expanded Bronze |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $7,500 |
| Deductible (family) | $15,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,000 |
| Family maximum | $20,000 |
| Primary care visit | $50 |
| Specialist visit | $100 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $50 Copay after deductible |
| Specialty drugs | $500 Copay 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 | $264.43 | $300.11 | $337.92 | $472.25 | $717.62 |
| Woodbury County | $264.43 | $300.11 | $337.92 | $472.25 | $717.62 |
| Dallas County | $268.09 | $304.27 | $342.61 | $478.80 | $727.58 |
| Jasper County | $268.09 | $304.27 | $342.61 | $478.80 | $727.58 |
| Madison County | $268.09 | $304.27 | $342.61 | $478.80 | $727.58 |
| Marion County | $268.09 | $304.27 | $342.61 | $478.80 | $727.58 |
| Polk County | $268.09 | $304.27 | $342.61 | $478.80 | $727.58 |
| Warren County | $268.09 | $304.27 | $342.61 | $478.80 | $727.58 |
| Hamilton County | $269.89 | $306.32 | $344.91 | $482.01 | $732.46 |
| Hardin County | $269.89 | $306.32 | $344.91 | $482.01 | $732.46 |
| Tama County | $269.89 | $306.32 | $344.91 | $482.01 | $732.46 |
| Black Hawk County | $278.83 | $316.47 | $356.34 | $497.98 | $756.73 |
| Clinton County | $278.83 | $316.47 | $356.34 | $497.98 | $756.73 |
| Dubuque County | $278.83 | $316.47 | $356.34 | $497.98 | $756.73 |
| Jackson County | $278.83 | $316.47 | $356.34 | $497.98 | $756.73 |
| Scott County | $278.83 | $316.47 | $356.34 | $497.98 | $756.73 |
| Butler County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Cerro Gordo County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Fayette County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Franklin County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Hancock County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Kossuth County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Mitchell County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Winnebago County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Worth County | $283.16 | $321.38 | $361.87 | $505.71 | $768.48 |
| Adair County | $293.35 | $332.94 | $374.89 | $523.91 | $796.13 |
| Monroe County | $304.36 | $345.44 | $388.96 | $543.57 | $826 |
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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When this plan’s price or benefits change.
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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.